insurance is gonna raise ur payments, so dont deal with urs.
first thing to do is go to the store and look around if they have any cameras. then go in and ask them that ur car was hit in their lot. its better if you bought few items from there so itll be a proof that you were there. i think some of the businesses have insurances or something for their parking lots so if anything happens in there they cover it somehow. if they get a License Plate
number with cameras, report to the cops. if you catch the guy, then his insurance will pay for it, or else the cingulars place will pay. if none work, then goto ur insurance or fix it urself for cheaper. take it to bodyshop, theyll get it done probably for 300?? its not worth the insurance rising up though, cz when they do it, its hard to go back down. protect ur rights