If someone hits your parked car, you must file an accident report with the police, even if a police officer is unable to attend the scene. ONE police report it is not always necessary to file a complaint, but it makes the process easier and can be useful if there are more damage than you initially think.… read the full answer
If the person who ran over your car left a ticket, the insurer must pay your expenses with liability for material damage safe. But if the incident was a hit-and-run, you or your insurance company will end up paying the bill.
What to do after someone hits your parked car
1. Document the accident as much as possible on the spot.
Take pictures of the note left by the other driver, if any. Photograph any damage to your car and the overall scene, including a view of the road, the position of your vehicle and any debris or skid marks. If possible, obtain information from the witnesses, including names, contact details and a brief statement. Note the date, time, location, weather and any other relevant details as well.
2. Contact the police to file an accident report.
A police officer can be sent to the scene to investigate and write a report, or you may be asked to provide details to your local district in person or online.
3. Start the claim process with your insurance company.
Your insurer will guide you through the claim process and contact the other driver’s insurer on your behalf if the person who hit your car has left a ticket. If someone hit your car and didn’t leave a message, you will have to make a complaint using your own collision coverage or driver protection without insurance, assuming you carry these types of coverage.
Safe to use if someone hits your parked car
If your car is hit while it is parked, you can use your collision insurance or uninsured / insufficiently insured driver coverage to pay for the damage. Both types of coverage usually have a franchisehowever, which means that you are likely to pay something out of pocket to fix your car. You will also be subject to the limits of your policy, so you will be responsible for any costs that exceed the terms of coverage.
Finally, it is important to note that damage to the driver’s property without insurance coverage is not available in some states. And in other states where it is available, you may not be able to use it if the failed driver is not identified.