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What to do if a shopping cart you used hit another car?

Question Details:

I was in a home improvement chain store and bought several items, including a large generator. I pushed my shopping cart out of the store; it was the first parking space on the left. I parked the cart on the side of my car. The cart was stable and I started to unload it. I have a therapy dog (he is very small) and took him from his purse and put him in the car, along with a couple of bags. I then walked to the back of the car to rearrange things so that I had room to load the generator. After unloading it I looked up and a man was waving his arms to me; he was wheeling the cart I used (it still had a few of my things on it). The car that the cart apparently hit had been parked about 15 spaces down. The owner then insisted that she needed my car insurance information. However I refused because I couldn't understand why my car would be involved in this. So she called the police, which I agreed to. They took information. Anyway, my insurer refused to pay calling it an "Act of God" having nothing to do with my car. She is now threatening small claims court. I do not feel responsible; I had nothing to do with the cart running down the lane. It was stable when I left it. I told her that I would have had to ram her car with my hands on the cart in order to deliberately and knowingly hit the car and damage it. I believe the young lady wanted me to say I would pay her $700 so she wouldn't take me to small court.

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