If person hits your park car and remains at the setting, treat this as any early car accident, and follow the steps listed below. If the early driver leaves a note, or worse, escapes the scenery, search for a much testify as possible so that you can be reimbursed by your indemnity company .

  1. Exchange information
  2. Take photos
  3. File a police report
  1. Notify your insurer
  2. Check for witnesses or security footage

What to do when someone hits your parked car
fortunately, if you have collision coverage or uninsured motorist property damage coverage, you ’ ll be covered by your cable car insurance policy .
Read on to learn more about how nuances may apply to your specific position .

Someone hit my parked car and left a note

If person hits your parked cable car and leaves a notice, they would ideally leave their contact information or insurance company ’ sulfur information.

  • If they don’t identify the insurer on the note, call them for the insurance company’s name.
  • It’ll also be helpful to look around for witnesses — either people living in the houses near where you were parked or people working in the shops near the curb to gather more information.

If the damages are small, you might consider getting quotes a soon as possible from several torso shops to determine how much repairs would cost, and then seeing if the early driver would be bequeath to pay cash out of pouch. { “ backgroundColor ” : ” frost ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Cp\u003EIf the \u003Cstrong\u003Edamages are small\u003C\/strong\u003E, you might consider getting quotes a soon as potential from several body shops to determine how much repairs would cost, and then seeing if the other driver would be volition to pay cash out of pocket.\n ”, ” padding ” : ” double ” }
Ask the car mechanics if there could be any unanticipated damage ( for example, what looks like a small indent on the away impacted the locomotive, and so forth ). however, going this route could mean that your policy won ’ metric ton cover any future problems from the lapp accident .
But you would avoid paying a deductible and premium increases from filing a claim ( which we ’ ve calculated to be approximately 23 % in quotes for our sample driver ) .
If the repair bill is high, or larger than your deductible, then consider going the insurance route. { “ backgroundColor ” : ” butter ”, ” contented ” : ” \u003C\/p\u003E\n\n\u003Cp\u003EIf the \u003Cstrong\u003Erepair circular is high\u003C\/strong\u003E, or larger than your deductible, then consider going the indemnity road. \n ”, ” padding ” : ” double ” }
While the driver may still pay out of pocket, the peace of judgment in having the hale car looked at and likely future problems covered under indemnity may be better in the long hunt .
You can file with :

  • The other driver’s liability insurance
  • The collision coverage on your policy
  • The uninsured motorist property damage coverage on your policy (if they lack insurance)

Hit-and-run accident with my parked car

If person hit your parked cable car and left without leaving a note, the foremost thing to do is check for witnesses or security cameras at the scene .

  • Ask pedestrians, retailers or residents near where your car was stationed if they saw someone side-swiping your car or remember cars parked near you.
  • If your car was dented or scratched in the parking lot while you were shopping, you might be able to get video evidence from the shop or have the police follow up with the store’s security office.
  • While it’s rare that they’ll be able to make out the license plate from a grainy video, finding the size and color of the car can help locate the hit-and-run driver.

next, take photos and videos of the damage from different angles. You should document even minor paint scratches or dings that can cost money to haunt .
Your options are slightly more restrict because you may not be able to locate the hit-and-run driver .

  • You can file a claim with your insurer under collision (more below).
  • You could try to claim through uninsured motorist property damage coverage if you have it.

progressive implies that the person at blame has to be identified in their glossary, but GEICO ’ s uninsured motorist place damage covered hit-and-run drivers when we got a quote in Texas .

You’re injured in your car while it’s parked

We ’ ve covered the main situations for damage to your car above.

What if you ’ ra hurt in the parked car ? Seek medical care immediately. If the injury is something minor, you can still take wish of it out of pocket with the driver .
We recommend you consider filing a claim because some types of injuries, such as whiplash, may not show up until late down the road .
Future checkup problems may arise that you can ’ metric ton anticipate on the descry. If you have the other drivers ’ insurance information, you can file under their bodily wound liability .
otherwise, you could file under your :

  • Personal injury protection (PIP)
  • Medical payments
  • Standard health insurance

How auto insurance covers a crash into your parked car

hera ’ s what you can do if you decide to go with indemnity rather of getting cash from the other driver, in our recommend orderliness :
file with the other driver’s property damage liability coverage and, if you ‘re hurt, bodily wound liability ( if you get their contact data ) .

  • If you’re able to cover your own repairs upfront, consider putting in what’s called a third-party claim for the damage to your car
  • The downside is that it’ll take longer to get your money back because the other company will launch an investigation to determine fault.
  • This keeps claims filings off of your record, which then prevents your insurer from raising rates because of the accident (though they may raise rates for other reasons).

charge with your insurance company’s uninsured motorist property damage ( if you have it in your state ) .

  • This is a rarer coverage, but it allows you to recover damages and repair costs with a potentially lower deductible if the driver was found and uninsured.
  • Note that your insurer will require a police report, and they may conduct an investigation, which will take time.
  • Even though the accident was not your fault, your rates might still go up after because of the very act of filing a claim.

File a claim with the collision helping of your car policy coverage ( if you have it ) .

  • This is usually a faster process than the other two options above, but you will likely have to shoulder the deductible.
  • That means if the repairs to your side doors cost $1,000, and your deductible responsibility was $500, you “pay” the deductible and only get $500 back from your insurer.
  • The deductible gets paid regardless of fault, and your rates may increase upon renewal because you filed a claim.

note that comprehensive coverage does not cover another car striking your neglected cable car, which can be frustrating if you don ’ t have collision or your comprehensive examination deductible is lower. Comprehensive is used more for natural disasters and larceny or vandalism .

Reporting claims at the top four insurers


Claims number

Claim website

State Farm 800-782-8332 https://www.statefarm.com/claims/file-a-claim
GEICO 800-841-3000 https://claims.geico.com/ReportClaim.aspx
Allstate 800-ALLSTATE https://www.allstate.com/claims/report-claim.aspx
Progressive 800-776-4737 https://www.progressive.com/claims/online-claims/

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