There are three types of individuals in situations like this. The first is someone who is wanting something for nothing, sees the guy mowing, and figures this is an easy way to get something fixed. The second is someone who really does think, for whatever reason, that you have created a problem, but is reasonable and will let you explain why it couldn't have been you that caused the damage. The third is someone who is totally convinced it was your fault, and no matter what you say or do is going to change their mind because they are so much smarter than the "mowing guy". If the car is owned by the first type, I'd tell him to take a hike. You know you didn't do the damage, so why should you, or your insurance company, pay for it? Chances are you'll never hear another thing about it. If the owner is the second type, you should be able to explain why that type of damage could not possibly have been caused by you or your equipment. If the owner is the third type, well, good luck dealing with them, because no matter how much proof or common sense you throw at them, they are still going to be convinced you screwed up. I mow an office complex, have for 12 years now. About 4 years ago, I get a call complaining that we "threw" grass into one of the employee's car that was parked with the windows down. I was nice about it, but explained that I never point the discharge chute toward the vehicles, but it was a windy day and that clippings blowing in the wind are basically unavoidable. They didn't make too big a deal about it, so I just started trying to mow after hours, when feasible. What was funny is that a few weeks later, I realized what happened, the neighbor lady has a zero turn, and the property line is like 8 feet from the parking area on that side. She mows like a screaming banshee, and I have no doubt she blasted the cars without even thinking about it. This year, I was mowing when I saw one of the employees walking from across the street. She flags me down, and tells me that the week before when I mowed, I chipped her windshield in two places and that I needed to start informing them before I started mowing so those that wanted could move their cars off the parking lot. I first of all, apologized, and told her that if I caused the damage, I'd be more than happy to pay for it. She told me that they were surface chips, and was told they can't be repaired. I began to ask more questions as the whole thing was sounding fishy. She said she had a training session that day out of town, and left her car parked there early that morning, and returned late in the evening after we had mowed, and discovered the two chipped places as she was driving home. She said it looked as if a rock had "skipped" across the windshield, hitting two places. That is basically goes against the laws of physics, as any rock hitting the windshield is going to deflect at an angle, not hit in two places. I told her that I just didn't see how this could have happened, as there is one small area of grass at the corner of the building, and that I never point the discharge chute towards the vehicles when I mow, and when I trim, I'm very careful and mindful of the vehicles. There is also a glass door right there, so I make sure the debris isn't tossed that direction. She starts telling me how mowers can throw stuff long distances, etc., and that she knows she is right because that was the morning when the big storm came through, and there was all kinds of debris blown onto the parking lots etc. All this time, I'm thinking her car is parked in the first parking space, and I'm thinking "well, maybe". Then I ask where it was parked, and she points and shows me. It was in the third space down, nosed in. I finally just told her I was sorry her car got damaged, but that I really didn't see how it could have been caused by anything I did. She remained adamant that it was my fault and I saw it was a waste of my time trying to convince her through logic that I hadn't damaged her car. My brain sometimes works a bit slowly, and it was the next day when it finally dawned on me that she said it was the morning after the storm. Then I knew immediately what had happened. We had like 70 mph straight line winds when the storm moved through, so in all likelihood the wind picked up debris off the parking lot, or, quite possibly, the roof of the building, and hit her windshield with enough force to chip it. I've seen that happen before with my own vehicle. She just noticed the mowing had been done, so, immediately it was the mowing guy's fault.