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.

What to do if someone hits your car and drives off?

Take these steps if someone hits your vehicle and drives off:

  • Call 911 if you were in your vehicle when it was hit or if someone was injured.
  • Find out if there were any witnesses.
  • Snap some photos.
  • Report the hit and run to the police within 24 hours.
  • Call your broker or your insurance company’s emergency service line.

What happens after a car accident not your fault?

Even if you’re not at fault, you can make a claim with your insurance company for payment of damages and injuries — if you have the right coverages. It will pay for the cost of repairs or total loss of your vehicle. If you take this approach, you will have to pay your collision deductible toward repairs.

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 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.

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.

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.

Do I call my insurance if someone hits me?

If you’ve been hit by a driver and you’re not at fault, you will still only file a claim with your insurance company. In certain cases, the other insurance company may call you to record your version of the accident, but there’s no requirement for you to contact the other person or their insurance company.

What do you do if someone hits your car without insurance?

What to Do If You’re Hit by an Uninsured Driver

  1. Determine Fault. Before filing a police report or insurance claim, you need to determine who’s at fault for the accident.
  2. File a Police Report. After you determine fault, you’ll need to file a police report.
  3. File a Claim.
  4. Press Charges.

Do I call my insurance if it’s not my fault?

Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault. In order to use any of these, you are required to notify your insurance company.

Does a no fault accident go on your record?

If the other driver caused an accident, and you were not at fault and did not receive a ticket, it is usually okay that these crashes appear on your record accident record. Since the crash was not your fault, your record will reflect that. Usually, this is not a problem.

What should you not say to your insurance company after an accident?

Avoid saying any of the following:

  • Anything . . . Right After an Accident.
  • It Was My Fault. Avoid admitting fault for the accident.
  • I’m Not Injured. Avoid making any declarations that you do not know are absolutely true.
  • This Is My Official Statement.
  • I Think . . .
  • Names of Others.
  • I Accept.
  • I Don’t Have a Lawyer.

Photo in the article by “Wikimedia Commons” https://commons.wikimedia.org/wiki/File:Armored_E32_with_hits.jpg