You might be worried when you see your parked car has been hit by someone. However, it’s important to stay calm and think about your next steps.
Here are some points to know before claiming insurance for your damaged parked car.
What Should You Do When Someone Hits Your Car?
If someone hits your parked car, the damages or repairs are covered by the at-fault driver’s insurance agency. Collect the name, address, contact number, and insurance details of the driver, as needed to file a claim.
If the driver isn’t at the scene, look for any notes on the car with their details and try collecting details from the people around. You may find a potential witness to help you.
Even if it is a minor accident, most states mandate that you need to report it to the police. Moreover, the police can help you locate the driver who hit your parked car through CCTV footage or other details. Remember to call your insurance agent as well.
How Quickly You Need to File a Claim If Someone Hits Your Car
As per most insurance policies, you must file a claim within the first 24 hours. All insurance companies need you to document the proof of the damage, so take pictures of the accident.
If the other car is also there, take pictures of that vehicle, including the license plate.
Does Insurance Cover If Someone Hits Your Parked Car?
The cost you need to repair your car should be covered by the insurance of the driver who has caused the damage. However, in case if the driver has left the place, your insurance will still cover the loss if it has uninsured motorist or collision coverage.
You can contact your insurance agent and discuss the incident. They will help you know whether you can file a claim.
You need to follow these steps to file claims if someone has hit your parked car. For assistance with your car insurance coverage, contact the experts at Mike Leonard Insurance Agency in Texas. We can connect you with our top insurance carriers, including Kemper, MetLife, Nationwide, Travelers, Safeco Insurance, Progressive, and American Strategic Insurance, to find the coverage you need.