Did Someone Hit Your Parked Car? Here’s What to Do
It can be very upsetting and stressful to see your parked car hit and damaged. Many drivers just drive away after being involved in a parked car accident without leaving a note. Without the driver’s information, you cannot claim insurance. However, do not panic; just follow these steps and make the most of your insurance.
Collect Important Details of the Driver
Look around to see if the driver has left a note. If you find one, record the name, contact information, insurance company of the person, and the explanation of the accident.
Look around and try to identify witnesses. You may be able to collect important details of the driver from the people around. Note down their name and contact information as well.
Call the Police
Call the police and file a report. You will typically require an official accident report when filing your insurance claim.
Document the Accident
Take pictures of your damaged vehicle, landmarks, or signage that help you identify the location and time of the accident. Record any other damage at the scene, such as debris or tire marks.
Inform Your Insurance Company
You should also inform your insurance company about the incident and other details. Your insurer will help you get the compensation for losses and damages resulting from the accident.
Will Insurance Cover the Costs?
Typically, the at-fault driver’s car insurance company should cover the cost of repair. However, if you’re unable to identify the driver who has caused the damage, you can file a claim with your insurance as well. These two coverage options may cover your losses:
- Uninsured Motorist Coverage (UMC): It helps cover repair costs when the at-fault driver does not have insurance to cover the damage.
- Collision Coverage: It helps cover the repair and replacement cost, regardless of who is at fault.
With both insurance policies, you may be required to pay a deductible, and the deductible amount may vary depending on your policy limit.
These accidents are common. That is why it is important to protect your vehicle with comprehensive automobile insurance. For assistance with all your car insurance needs, contact the experts at Remland Insurance in Orange, California. We are available to answer all your insurance questions today.