Quick answer: If someone else hits your parked car, will your insurance rates go up? There’s a few factors that go into determining if your insurance rate goes up or not. Assuming you don’t have the insurance information of the doofus who hit you, the damage will most likely be covered under collision coverage and treated as a hit-and-run.
Whether you struck a parked car or your parked car was hit, you are not alone. In fact, a 2010 Allstate Insurance study showed that 69 percent of all hit-and-runs in the U.S. involve parked cars; 64 percent of those were in parking lots. "Getting into an accident is not a crime," says attorney Chip Siegel of Las Vegas.
Hit-and-Run Accident With My Parked Car. The first thing to do is to check for witnesses or security cameras on the scene. Ask pedestrians, retailers, or residents near where your car was stationed if they saw someone side-swiping your car, or just remembered cars parked near you.
Accident history can affect your car insurance rates. But what if someone else is at fault? What if they hit you? Will that still affect your rate? Usually, the first thing that will influence whether or not your insurance rates will go up after an accident is who is at fault for the accident.
would my insurance go up if someone hit my car while it was parked and i got all of the other drivers info so who insurance will go up mine or the other divers InsuranceHotline you should not see an increase in your insurance rate as a result of being hit while parked.
If you hit a parked car and you are not properly covered, the owner will have to file a claim to their insurance company.. Many insurance carriers, depending on how many previous claims were filed by this subscriber, will increase the premiums.
There are three basic steps you'll want to take after you discover someone has hit your parked car:. Call the police. An officer will document the incident and create an official accident report, which you will typically need to file a claim with your insurance company, says the Insurance Information Institute (III). Be sure to ask for a copy of the accident report and ask for the name and ...
Unless you are certain that the other person won't screw you over and file a claim against your policy later, I would suggest simply informing your insurance agent about the matter and determining then if you can avoid being charged a higher rate....
Not too long ago this happened to my wife twice within a short period of time. The first time was in Toronto, in a cramped parking lot. My wife came out of a store to find someone had driven into our car and then left. This store had cameras on th...
It will pay up to $3500 to repair your car without a deductible if your car is hit by someone who flees the scene or someone who has no insurance. If you have UMPD and collision, it will waive your collision deductible. What happens if the driver who hits your car leaves their information?