Ultimately, if there is a dispute as to who is at fault, a jury decides. A jury could decide that it was an act of God. A jury could decide that you should have held the door tighter, especially if you were aware it was a windy day. A jury might not believe you when you say the wind did it. If the wind did it as you say, under the circumstances, I would say you were not negligent and it is no different than the wind blowing a tree limb into our car. I'm sure the owner of the other car would disagree. Normally, I would say if they file a claim, let the adjuster handle it, but I assume it is less than the deductable. I do not know if the adjuster will make a decision on accepting or denying liability if it is below the deductible.
Answered on Apr 10th, 2013 at 9:08 AM