<prompt> Human: I work at a downtown hotel where employees can pay for a parking pass to use a parking garage where guests can self-park and valet cars are parked. I havent worked at this hotel for more than a few weeks, but I am under the impression that the garage is owned by a third party company that employs the valets and sells parking to the hotel. Last night after my shift, I was exiting the garage and a valet driver on duty sped down the entrance ramp in a guests car and hit my car almost head-on. I was circling around the garage to get to the exit my car is a manual and I was only in first gear so I know I wasnt speeding when I saw the other car coming down the ramp so I stopped and waited for it to pass. Instead of passing, the other driver flew down the ramp and rammed directly into the front of my car, denting the grill of the guests car and scrapingpuncturing my bumper on the drivers side. We both got out, looked at the damage, I took a few photos of the damage to my vehicle, and then went to the front driveway of the hotel where my manager took a written statement from me, contacted security, and requested the footage from the garage cameras. Security took more photos, took my insurance info, and then told me I was free to go for the evening and said someone would contact me the following day.My car is still working properly and is definitely still drivable, but Im guessing the entire bumper would need to be replaced for it to look right again. Its a 2007 Ford Focus that I bought used in January 2016 with a loan from my grandmother for 5500. She gave me the loan with no interest, and I just pay 150 to her every month for 36 months I still have 30 months of payments left. Because the car is technically paid in full and titled in my name, I just hold the minimum liability insurance needed for my state. So far I havent contacted my insurance company or any repair shops, as Im waiting to hear back from the hotelparking company about how they normally handle these situations. I know its kind of an old car and its still functioning fine, but its been in great condition and I wanted to keep it looking nice and be able to drive it for at least the next 3-5 years. I talked to my parents about it and theyre going to talk to our insurance agent and see what advice they have. Im not sure where to go from here, but I know for sure Id like to either get my car fixed, or at least be compensated monetarily for the fact that my vehicle was damaged. Even though its minor damage, it probably greatly devalues my vehicle which is old enough that it wouldnt take too much for an insurance company to call it totaled.  <response>: Talk to your insurance company. This is exactly what you pay them for. Theyre your advocate here. If youre not at fault the hotels insurance should ultimately cover the damages, but it doesnt hurt to bring your company in the loop and make them aware of the situation. 