Advertiser disclosure When you ’ re backing up your car, the hard crunch of a fiberglass composite bumper is a sickening touch. Your inaugural think may be : “ I hit a parked car – will my indemnity go up ? ” Parking lot collisions are among the most common types of car accidents, which makes sense. In a park bunch, there are a high number of vehicles in a small space. Parking lots besides lead to many people driving in reverse. It ’ second authoritative to follow the right field steps to ensure your mistake international relations and security network ’ thymine compounded by a series of subsequent bad choices. This article will walk you through the steps of what to do after you hit a park car and discuss how hitting a park cable car will affect your insurance rates.

It is merely after you try to file a call that you learn for yourself if your car policy party is worth its premiums. even if you like your supplier, it never hurts to compare quotes. Read our inspection of the best car indemnity companies and try our free quote tool to start comparing rates. You can besides call our team at (844) 246-8209   to get dislodge quotes seven days a week. In this article :

What Should You Do After You Hit A Parked Car?

How you should proceed after hitting a parked car depends on the context. The first thing you should do is check to see if you have damaged the other vehicle. If you are driving slowly enough, there is a opportunity you did not damage the other car. however, car bumpers are designed to crumple. This is a guard feature that reduces shock pull on passengers in the consequence of a broad speed collision. It is truly easy to destroy another car ’ s bumper even at moo speeds. If you have damaged the other car, the worst thing you can do is drive away and hope that cipher saw you. Hit and runs can result in steep fines and even possible imprison time. rather, follow these steps :

  1. Check to see if anyone was in the other vehicle and if they are injured.
  2. Call emergency services if necessary. In many states, you are required to notify the police after a car accident if someone is injured or damages exceed a certain value.
  3. If the vehicle is empty, stay and look for the car’s owner.
  4. If you can’t find the car’s owner, leave a note on the windshield with your name and contact information. 
  5. If you do find the other driver, exchange information. Make sure to include your name, insurance information (provider, policy number, etc.), and contact info. If you do not have car insurance, make sure to leave your contact information at the very least.
  6. Take pictures of the damages.

normally when you hit a park car, you are considered at defect. An exception is if the cable car you ran into was parked illegally. In this subject, be certain to document this fact. Take pictures and collect contact information from witnesses ( if there are any ). If there are any security cameras nearby, ask the owners for a imitate of the footage. If the other car was indeed parked illegally, you may end up filing a claim against the person whose cable car you hit. If you are at fault, your indebtedness indemnity will cover the damage. You may try to settle the issue without contacting insurers. however, if the early driver insists on involving indemnity companies, there is little you can do to prevent it.

You Hit A Parked Car – Will Your Insurance Go Up?

Anytime you file a claim with your indemnity company, there is a chance your rates will increase. When you hit a park car, it is treated the lapp as a road collision by insurance companies. Most probable, you will be found at fault and your indemnity rates will increase.

Accident Forgiveness

many providers offer accident forgiveness indemnity policies. These policies are a guarantee that your rates will not rise after you file a title. such policies normally go into effect after a certain sum of clock without filing a claim ( normally five years ) and work for one accident. Geico, USAA, and Progressive all offer accident forgiveness policies. Contact your provider and ask if it offers an accident forgiveness policy angstrom well. It ’ s possible you have one and don ’ t flush know it.

Do You Have To Pay A Deductible If You Hit A Parked Car?

Whether or not you pay a deductible after an accident depends on your policy policy. When you hit a park car, the other car will be covered under your indebtedness car insurance. It will besides pay for any medical expenses for the other driver if they are hurt in the accident. Liability coverage policies do not by and large have a deductible. To pay for repairs to your own vehicle, you will file a claim through your collision coverage. Collision normally comes with a deductible. It is not required by law, and if you do not have collision coverage, you will need to pay for your own repairs out of pocket.

Our Recommendations For Car Insurance

If your claim work turns out to be a nightmare, it may be a dear clock to look at other options. Or you may be forced to consider alternatives if you are dropped for filing excessively many claims. In either font, it surely doesn ’ deoxythymidine monophosphate hurt to look at car insurance quotes, which you can do by using the quote comparison instrument below or by calling (844) 246-8209. besides consider learning more about two of our lead recommended providers : Geico and USAA. Read about these companies below and see how they compare to one another in our comparison of Geico vanadium USAA.

#1 Best Overall: Geico

We give Geico 4.5 out of 5.0 stars, and it is our highest-rated supplier that is available to everyone. Geico is the second largest policy caller in the U.S. and regularly ranks highly in the J.D. Power U.S. Auto Insurance StudySM Overall Customer Satisfaction Index. It has an AM Best fiscal persuasiveness fink of A++ and a Better occupation Bureau rat of A+.

We think Geico is a good choice because of its high customer satisfaction levels and first gear premiums. One rationality that Geico is brassy for so many customers is that it offers a broad range of discounts, including :

  • Good student discount
  • Defensive driver discount
  • Discounts for airbags, anti-lock brakes, and anti-theft devices
  • Federal employee discount
  • Military discount
  • Good driver discount
  • Multiple policy discount
  • Multiple vehicle discount

While prices will vary by customer and area, the U.S. News & World Report found that the average Geico annual bounty is $ 1,063.10 ( $ 89/month ). Geico offers a free accident forgiveness policy that forgives one accident for drivers over 21 who have been accident-free for five years or more. Fun fact : ever wonder why other insurance companies have human spokespeople, but Geico uses a digital gecko ? In 1999 when Geico first started running the gecko ads, there was a shield Actors Guild strike that prevented the consumption of live actors. For more information, read our full Geico review.

#2 Best For Military: USAA

USAA was founded as a reciprocal self-insurance collective in 1922. It is today one of the largest U.S. corporations in terms of total gross. USAA was started by military officers and continues to offer policy and bank products specifically for servicepeople. This is why USAA is only available to military members and their families. If you hit a parked car, your indemnity may not go up with a USAA policy. USAA customers will not see an increase in premiums for one at-fault accident after five years of membership. This sport is barren in some states, but included for a tip in others. We think a USAA policy is among the best options for those that are eligible. USAA much offers the lowest rates for some of the best coverage. And by all accounts, USAA customers are overwhelmingly pleased with the service and claims processes. It is the alone supplier that we rate a entire 5.0 stars out of 5.0. Every year, J.D. Power conducts a survey of the top insurers by contacting over 40,000 customers. It asks customers to rank their insurers by the surveil factors :

  • Interaction
  • Policy offerings
  • Price
  • Billing process
  • Policy information
  • Claims

In the J.D. Power 2019 U.S. Auto Insurance Study Overall Customer Satisfaction Index ( by U.S. region ), USAA scored a full 5 out of 5 ( “ among the best ” ) in every region. USAA besides receives top marks from AM Best with an A++ fiscal lastingness rat. Read our USAA policy review for more data. Fun Fact : current USAA CEO Wayne Peacock is the first USAA CEO who is not a seasoned of the U.S. armed forces.

FAQ: Does Auto Insurance Go Up After Hitting A Parked Car?

Does your policy go up if you hit something ? Hitting or bumping into something it can turn into an expensive mistake. And unfortunately, it ‘s not rare to see your car indemnity rates increase after damage has been done or when a claim has been filed. What happens if I hit a parked cable car without indemnity ? broadly, without car indemnity, causing an accident means you will have to pay out-of-pocket. But, it ‘s illegal in about every submit to drive a car uninsured and without proofread of policy, and the consequences of driving or being involved in an accident without proper indemnity can be severe. It ‘s significant to make indisputable you have proper coverage indeed that your indemnity company will pay for the wrong and injuries you caused in the event of hitting a parked car. What do you do if you bump a parked car and the owner is not around ? If you hit a car and the owner is not around, it is against the law to leave the fit and can be considered a hit and run if you flee. Odds are person see you hit the car, so running from the accident wo n’t do anyone any estimable. The best option is to stay and wait for the owner to arrive back at their fomite. If you can ’ t find the car ’ sulfur owner, leave a note on the windshield with your name and contact information.


In an attempt to provide accurate and indifferent information to consumers, our expert review team collects data from dozens of car policy providers to formulate rankings of the best insurers. Companies receive a sexual conquest in each of the surveil categories, ampere well as an overall weighted mark out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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