Even when your car isn’t moving, it can still be subject to damage. For example, you are hit by someone in your parked vehicle, and you’re furious. Parked car damage is an annoying and time-consuming hassle in your already busy life. Know, though, that parked car accidents occur every day and you have alternatives for dealing with the issue.
The Person Who Hit Your Car Left But Gave Their Information in a Note
Before leaving the scene, the other driver may leave a note with their contact and insurance information. You should reach out to them when you have the damage costs estimated. When you call them, you can ask them directly if they want to cover the damages themselves. If not, then you can begin the process of filing a claim with their provider. If none of them respond, you can cover the repairs yourself then get a payout from your insurance provider.
When you take out a collision insurance policy, you must first pay your deductible beforehand. The cost of your premium is likely to rise 20% to 25% after a claim is filed. As a result, if the expense of repairs is equal to your deductible, it may be more cost-effective for you.
The Person Who Hit Your Car Has Fled The Scene Altogether
If the driver doesn’t leave a note, that’s a hit-and-run. Ask individuals in the vicinity if they saw it. If there were witnesses, get their names and accounts of the event. Make a note of this for future use, and if they can wait for the police, request that they talk with the on-scene officer. If there are any stores or businesses in the area, inquire whether anyone noticed anything. If you can’t find out who was at fault, you have the option of either accepting a settlement from your insurance or paying for the repairs yourself.
Call The Police
If there was a message, you should contact the cops and obtain a report of the event. The officer will record your statement as well as put together an accident report. This is necessary if you want to submit a claim with your insurance company, so make a copy for yourself after the officer has finished writing up his or her account.
How Your Insurance Covers it
Finally, you may be wondering how your insurance will handle it. There is no parked car insurance, but there is collision insurance, which might be your best option in a case like this. Collision coverage is not required by law, but it is offered as a component of comprehensive coverage by most insurance firms. The expense of repairs following an accident is covered under collision insurance. Comprehensive coverage, on the other hand, covers things like severe weather and vehicle theft, as well as automobile accidents.
Contact Insurance Navy today to speak with an insurance expert and get a free auto insurance quote. Call 888-949-6289 or stop by one of our storefronts to request your free quote. We also offer quotes virtually on our website and mobile app.