Question: What Do You Do When Someone Hits Your Parked Car??

If someone hits your parked car, the first thing to do is call the police to come investigate and create an accident report.

You’ll also want to notify your insurance agent to start the claims process, as your auto insurance may help cover the damage to your vehicle if your policy includes collision coverage.

Does insurance cover hit and run?

Your auto liability insurance does not cover your medical expenses or car repairs after a hit-and-run. If your car is hit by another vehicle, the at-fault driver’s auto liability coverage typically helps pay for repairs. But a hit-and-run typically means that the at-fault driver flees the scene and is never caught.

Will my insurance go up if someone hits my parked car?

If someone else hits your parked car, will your insurance rates go up? Assuming you don’t have the insurance information of the doofus who hit you, the damage will most likely be covered under collision coverage and treated as a hit-and-run. And because the accident was not your fault, your rates will not increase.

Do you have to pay a deductible if someone hits your car?

Liability is Free of Deductibles

If someone hits your vehicle and damages it you would be making a claim against their liability coverage and there would not be a deductible due for either you or the other driver. The same can be said if you hit another driver and damage their vehicle.

What if someone hit my parked car and left?

If someone hit your parked car and left a note with their contact information or their insurance company’s information, keep the note in a safe place for later. Get the driver’s insurance information and try filing a claim with their insurance company.

What happens if someone hits your parked car?

If someone hits your parked car and remains at the scene, treat this as any other car accident. Exchange information, take photos, file a police report, and notify your insurer. If you have collision coverage or uninsured motorist property damage, you’ll be covered by your car insurance policy.

Can you sue a hit and run driver?

Civil Penalties for Hit and Run

If you have caused the accident, it is possible that another person involved in the crash may sue you in court for the damages they suffered. Such a lawsuit may ask for monetary compensation for medical bills, lost wages, and property damage.

How long do you have to file a police report after a hit and run?

Report the hit and run to the police within 24 hours.

A hit and run is considered a crime, and it’s extremely important that you report it as soon as possible. After you report it to the police, you may then be advised to go to a collision reporting centre if there’s one nearby.

WILL HIT AND RUN affect insurance?

Hit and run accidents are the only accident in which you are not at fault for which you will be required to pay your collision deductible, in most cases. Because you are not at fault in the accident, you will not have an increase on your insurance premiums as a result of filing the claim and providing a police report.

Photo in the article by “Army.mil” https://www.army.mil/article/210655/winter_is_coming_equip_your_vehicle_now