Does auto insurance cover your parked car?


The way you deal with someone hitting your parked car may be different if they stay or leave the scene. If the offending party remains, you could be covered by their liability insurance. If the party at fault runs out, you may be covered by your collision coverage or by coverage for uninsured motorists. Knowing what to do in each scenario can help make sure you have the right car insurance coverage in place. It can also help you know what action to take in each situation.

What type of insurance covers me?

Depending on the situation where someone hits your parked car, you may be covered by one of three different coverages: Property Damage Liability, Your Collision Coverage, or Your Uninsured Motorist Coverage.

While comprehensive insurance covers physical damage to your vehicle, it only covers glass breakage, theft, vandalism, collisions with animals, and natural disasters. If someone hits your parked car and sticks around or leaves a note, you’ll be covered by their property damage liability coverage. If you are the one hitting a parked car, your property damage liability insurance will cover the damage to your car.

However, if you are the victim of a hit and run where someone hits your parked car and then disappears, your collision insurance will take over to cover the damage. However, you will have to pay your deductible. Also, if you hit someone else’s parked car and your vehicle is damaged, you will need to file a collision damage claim. When purchasing collision insurance, consider the amount of the deductible. If you have to file a collision claim because someone hit your parked car, you pay the deductible before the insurance company pays for the damage.

Another coverage option is uninsured motorist insurance, which is only offered in certain states. In most states, bodily injuries of uninsured motorists generally do not have a deductible. However, property damage for uninsured motorists usually has a state-imposed deductible. Please note that property damage to uninsured motorists is only available in certain states. In most states, if someone commits a hit and run, they will automatically be considered “uninsured” and you can file a claim – but this does not apply in all states. It’s worth speaking to a licensed agent in your area to discuss your coverage options.

What should I do when someone hits my parked car?

When someone hits your parked car, you should treat them the same as any other accident. To take these steps if your parked car is hit or if you are involved in an accident:

  1. Determine if you need to move your car. If your car is already parked, it may not be necessary to get it out of the road after being hit.
  2. Evaluate the damage to your vehicle and possible injuries. Once you know everyone is fine, take pictures of your damaged car.
  3. Call the police. If there are injuries, an ambulance may be needed to provide medical attention. The police can also help facilitate the exchange of information. Obtain the names and badge numbers of responding officers to get the accident report later.
  4. Collect information. This includes the names and contact details of those involved and witnesses. Apply for driver’s license, registration and proof of insurance. Write down the information or take a photo with your phone to file a complaint. Note the time, location of the accident and weather conditions.
  5. File a complaint. After you have obtained all the information, you can file a claim online, by phone or through the mobile app, depending on the insurance company.

Someone hit my parked car while I was there

If someone bumped into your parked car while you were there, assess yourself to see if you have any injuries. Call the police, especially if you think you may need medical attention. Even if you don’t feel hurt immediately, you may feel the effects of the car accident later on. It is not uncommon to fall asleep and wake up the next day with a whiplash or other minor injuries.

Once you are ready to file a claim, you can file it under the liability insurance of the other driver. The bodily injury portion will cover your injuries while the property damage coverage will repair damage to your car.

If you live in a state with medical payments or injury protection coverage (PIP), you can file under your own personal injury insurance. PIP also provides coverage for lost wages and other accident-related expenses.

Someone hit my parked car and left a note

If someone has hit your parked car and left the scene but also left a note, you should call the police. Provide the information left by the offending driver and get the police report number to provide to the insurance company.

If the note didn’t provide insurance information but the person’s information, you might need to call them to get it. If the note provides insurance information, you can call the company directly to file a claim for property damage coverage from the at-fault driver’s liability.

You can also file an insurance claim under your own collision insurance or uninsured motorist coverage, if they do not have insurance. If you are making a claim with your own insurance company, you may need to pay the coverage deductible to have your car repaired.

Someone hit my parked car and I was injured

If you are injured after someone hits your parked car, you need to assess yourself to see how injured you are. Calling the police can help you get medical attention if you need it.

Obtain the driver’s insurance information so that you can file a liability insurance claim. You can have your bodily injury and automobile damage covered under property damage liability.

If you have PIP coverage or medical coverage, you may also be able to claim medical bills and other accident-related costs that you may incur.

Parked car with hit and run

If someone hits your parked car and leaves the premises without a note, it is considered a hit and run. You should check security cameras or any witnesses who may have seen the accident. If you are parked near a business, security cameras may have detected what happened, which can be used to determine who hit your parked car.

Walk around all sides of your car to see the damage. Take photos or videos from all angles before moving the car from its parking spot.

If you have collision insurance, you can file a claim to have the damage repaired. However, hit and run may also be covered by uninsured motorist damage insurance in states that offer it. If you have this coverage, it may be a better solution than filing a claim under collision insurance.

Frequently Asked Questions

Will my insurance cover me in the event of a collision with a parked car?

If you hit a parked car, your property damage liability insurance will cover the damage you cause. This is one of the reasons why almost all states require a certain amount of liability insurance because it protects the other party if you cause damage or injury.

Do I have to insure my car if it is parked?

Most states require liability insurance on all licensed vehicles, even those that are parked and not driven. Whether you park your car on the street, in your driveway, or in a garage, having the right insurance coverage will protect your parked car. If your vehicle is stored in your garage and is not driven for extended periods of time, you may want to consider placing your vehicle in storage if your insurer offers this option when not being driven.


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