Insurance companies will cover parking lot accidents, in most cases. Let’s look at a few specific scenarios below.
If Someone Hits My Car In A Parking Lot, Does Insurance Cover It?
When your car is hit by another car while parked and you can prove the other driver responsible, their insurance may cover the damage. If the other driver does not have insurance or you are unable to prove who was responsible for the accident, it is still possible for uninsured motorist property damage (UMPD) to pay for any repairs.
UMPD coverage, however, is not able to cover hit-and-run accidents in every state. If you are unable to prove who was at fault for the accident or you do not have collision or UMPD coverage, you will have to pay out of the pocket for the damage.
Will Insurance Cover My Car Being Hit While Parked In The Street?
The other driver’s insurance should provide coverage when your car is hit while parked in the street and you can prove they were responsible for the accident.
If you are unable to prove fault but you do have collision or UMPD coverage, your provider should cover the damage. Unfortunately, if you do not possess either coverage or you cannot find the other driver who caused the accident, you will most likely pay out of pocket.
What Happens If Someone Hits Your Parked Car And Leaves?
It will be considered a hit-and-run anytime a driver strikes another car then leaves the scene. This is considered a crime, meaning you should contact the authorities and fill out a police report. Authorities may be able to help you identify the car that caused the accident, at this time.
Drivers may need UMPD or collision coverage for repairs to be covered by their insurance provider. This ultimately varies by state. If another driver hits your car and leaves a note, your best course of action is to look for witnesses and contact their insurance company.
What To Do If Your Parked Car Is Hit
Always treat a minor parking lot accident the same way you would treat a serious accident out on the road. Always look for witnesses who can offer details about the incident first. Follow these few steps below:
- Refrain from leaving the scene or moving your car.
- Locate the other driver and exchange information, if possible.
- Take lots of photos of the damage.
- Contact the authorities to file a police report.
- Tell your insurance provider what happened and file a claim.
What To Do If You Hit A Parked Car
If you are responsible for hitting a parked car, you’ll want to do the following:
- Again, do not leave the scene.
- Wait for the other driver to appear and exchange the appropriate information.
- If the other driver doesn’t come back, leave a note complete with your contact information.
- Always tell your insurer about the accident.
Does Insurance Go Up If You Are Involved In A Parking Lot Accident?
It is possible your insurance rate goes up whenever you file a claim with your provider. Filing a claim with the at-fault driver’s insurance provider does not usually result in an increased rate.
There are a few providers that will raise your rate if a claim is filed, regardless of who is at fault. Insurance rates will vary by state.
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