What To Do When Your Parked Car Is Hit
You expect your parked car to be in the same condition as when you left it.
Accidents happen, as we all know, including accidents involving parked cars. Accidents can sometimes cause serious damage to your vehicle. Other than calling your car insurance company to report that "someone hit my parked car," there are a few things you should do.
What to Do If Your Car Is Hit While Parked
It's important to know what to do if someone hits your parked car so you can resolve the situation as soon as possible. Here is a list of immediate actions to take:
Call the police: In the event of a hit-and-run, it is critical to dial 911. If the police arrive, make a note of the police department's jurisdiction (state versus town, for example) and the officer's name to assist in obtaining a police report later, if necessary.
Document the damage: You may want to photograph the accident as well. Use your smartphone to take pictures from all angles if it is safe to do so. Document every scratch, dent, and piece of debris left at the scene.
Contact your insurance agent: Inform your insurance agent or representative of what happened by providing details about the accident. If you decide to file a claim, your agent or representative can assist you. If the person who hit your car left a note, your agent or representative can help you navigate the process of dealing with the other driver's auto insurance company.
Stay calm and follow these steps in the correct order. This could help you expedite your claim process and get your car back on the road as soon as possible.
Is my insurance going to cover damage if someone hits my parked car?
In many cases, your insurance company will contribute to the cost of repairs, but this depends on the type of coverage you have.
Damage to a parked car is typically covered by collision insurance. This coverage assists in covering the costs of repairing or replacing your vehicle in the event that it is involved in an accident with another vehicle or object — even if it is parked.
You must usually pay your deductible before your insurance payment kicks in with collision coverage. If you're unsure how much you'll be required to pay, consult with your auto insurance agent.
Will My Insurance Rates Increase If Someone Hits My Parked Car?
When you file a claim, your insurance premiums may rise. More information about how your premium may be affected can be obtained from your insurance agent or representative.
Getting into an accident, regardless of the type of accident, can be stressful. Learn more about car insurance now to better prepare for a future accident.