Does car insurance cowl your parked car? – Bankrate.com
The way you deal with someone pulling into your parked car can be different if they stay or leave the crime scene. If the polluter persists, you may be covered by their liability insurance. If the culpable party runs, you can either be covered by your collision insurance or by the uninsured motorist insurance. Knowing what to do in each scenario can help ensure that you have the right car insurance coverage. It can also help you know what steps to take in each situation.
Which insurance cover me?
Depending on the situation in which someone drives into your parked car, you can be covered by three different types of coverage: the causer’s liability damage to property, your collision insurance or your uninsured motorist insurance.
Fully comprehensive insurance covers property damage to your vehicle, but only covers things such as broken glass, theft, vandalism, attacks on an animal and natural disasters. If someone pulls into your parked car and stays nearby or leaves a note, you are covered by their property damage liability insurance. If you hit a parked car, your property damage liability insurance will cover the damage to your car.
However, if you are the victim of an accident in which someone hits your parked car and then disappears, it is your collision insurance that covers the damage. However, you have to pay your deductible. If you hit someone else's parked car and your vehicle is damaged, you will also need to make a claim under your accident insurance. Take the deductible into account when taking out accident insurance. If you need to claim accident damage because someone hit your parked car, you pay the excess before the insurance company picks up the damage.
Another coverage option is uninsured motorist insurance, which is only offered in some states. In most states, uninsured personal injury to motorists typically does not have a deductible. In the event of uninsured property damage caused by drivers, however, there is usually a state-prescribed deductible. Please note that uninsured property damage caused by motorists is only offered in certain states. In most states, a hit and run will automatically be considered “uninsured” and you can file a claim, but not all states do. It is worth speaking to a professional representative in your area to discuss your insurance options.
What do I do if someone starts my parked car?
If someone hits your parked car, treat it the same as any other accident. If your parked car is hit or you are involved in an accident, do the following:
- Determine if you need to move your car. If your car is already parked, it may not need to be removed from the lane after a crash.
- Assess the damage to your vehicle and possible injuries. Once you know everyone is fine, take pictures of your damaged car.
- Call the police. In the event of injuries, an ambulance may be required for medical care. The police can also facilitate the exchange of information. Get the names and ID numbers of the responding officers to get the accident report later.
- Collect informations. This includes the names and contact details of the people involved and any witnesses. Request the driver's license, registration and proof of insurance. Write down the information or use your phone to take a photo to submit a claim. Make a note of the time, location, and weather conditions.
- Make a claim. After you've gathered all of the information, you can submit a claim online, by phone or via the mobile app, depending on the insurance company.
Someone hit my parked car while I was in it
If someone hit your parked car while you were in it, check for any injuries. Call the police, especially if you feel you need medical assistance. Even if you don't feel injured right away, you may feel the aftermath of the car accident later. It's not uncommon to go to sleep and wake up the next day with whiplash or other minor injuries.
Once you're ready to make a claim, you can submit it to the other driver's liability insurance. The personal injury section takes care of your injuries, while the property damage cover repairs damage to your car.
If you live in a state with Medical Payments or Personal Injury Protection (PIP), you can get your own personal injury insurance. PIP also provides coverage for lost wages and other accidental expenses.
Someone hit my parked car and left a note
If someone has hit your parked car and left the scene, but has also left a note, you should call the police. Include the information left by the guilty driver and get the police report number to give to the insurance company.
If the note doesn't include insurance information but rather the person's information, you may need to call them to get it. If the notice includes insurance information, you can call the company directly to submit a claim under their driver's liability insurance for property damage.
You can also make an insurance claim under your own collision insurance or an uninsured motorist insurance if these are not insured. If you sign up with your own insurance company, you may have to pay the deductible to get your car repaired.
Somebody hit my parked car and I was injured
If you get injured after someone hits your parked car, it is a good idea to make a self-assessment of how badly you are injured. A call to the police can help you get medical help if you need it.
Get the driver's insurance information so you can make a claim under their liability insurance. You can insure your injuries through personal injury and your car damage through property damage liability insurance.
If you have PIP or health insurance coverage, you may also be able to claim medical expenses and other accident-related expenses that you may incur.
Hit and run when the car is parked
If someone drives into your parked car and leaves the crime scene without notice, it is considered a hit and run. You should look for surveillance cameras or witnesses who may have seen the accident. If you're parked near a company, they may have security cameras that tracked what happened and can be used to determine who hit your parked car.
Go around all sides of your car to see the damage. Take pictures or videos from any angle before moving the car away from its parking lot.
If you have accident insurance, you can make a claim to have the damage repaired. However, in the states where it is offered, hit-and-run may also be covered by uninsured auto property damage insurance. If you have this coverage, it may be better suited than filing a claim under collision insurance.
frequently asked Questions
Does my insurance cover that I drive into a parked car?
If you hit a parked car, your property damage liability insurance will cover the damage you caused. This is one reason almost every state requires some kind of liability insurance because it will protect the other party if you cause damage or injury.
Do I have to insure my car when it is parked?
Most states require liability insurance for all registered vehicles, including those that are parked and not driven. Whether you park your car on the street, in your driveway or in a garage, the right insurance coverage will protect your parked car. If your vehicle is in your garage and not driven for a long period of time, you can consider putting your vehicle in storage if your insurer offers this option while it is not being driven.