", "Be aware that a hit-and-run is considered a major violation, so if you're caught and cited not only is it likely to affect your driver's license more than a simple accident, but it may also impact your insurance rates. I live in a condo so it has many parking spot like an apartment complex. Stay up-to-date with how the law affects your life, Name Many of the accidnets happen in parking lots. Firefox, or All Rights Reserved. Though you might try to tell yourself that the other driver’s insurance will foot the repair bill if you leave the scene, think again. Be sure to ask for a copy of the accident report and the name and badge … Internet Explorer 11 is no longer supported. Copyright © 2020 Insurance.com. On October 12th, my car was hit while it was parked on the street. This website does not include all of the products and services available nor all of the companies that offer them.950 Tower Ln, Suite 600, Foster City 94404, https://www.insurance.com/auto-insurance/parked-car-insurance.html, Hitting A Parked Car: Essential Next Steps. There are three basic steps you'll want to take after you discover someone has hit your parked car: Call the police. Don't say too much, such as explaining how you weren't paying attention when you hit their bumper. Contact a qualified auto accident attorney to make sure your rights are protected. Allstate advises looking for possible witnesses. We recommend using If you're able to identify the driver who hit your car, get his or her insurance company information. When the police came, they did not get out of their car. "It can be a very expensive decision for the perpetrator and could lead to jail time… You're going to spend more money cleaning it up. Generally, uninsured motorist coverage compensates drivers for hit and run accident. Call police and contact your insurance company. "Everyone's afraid.". Learn more about FindLaw’s newsletters, including our terms of use and privacy policy. Lawyer's Assistant: What state is this in? Can I make a claim and recover the value of my car (it is likely totaled because of the damage and it is an older car), despite the fact that my insurance had lapsed? They may offer to pay for the damages for you. While you should check tour rental agreement to confirm this, car rental contracts typically make the person renting the car responsible for those costs. Behnke recommends reporting the incident to your insurance company as soon as possible so they can expedite the claims process. Or maybe there are security cameras or … In other circumstances where a parked car is hit, it may be covered under uninsured motorist, comprehensive or collision coverage. My car got hit while parked on the street. When you’re driving on the highway, you are on what is considered to be a public space. Take pictures of the damage to both cars and the license plate number of the other car. If you’re involved in an accident with a parked car, there are some things you’ll want to do. Collect their contact information in case police and/or insurance company wants to contact them during an investigation. Most states require that your note include this information: If you were driving someone else’s car at the time of the accident, you are required to leave the name and address of the car’s owner as well. I am very glad that she left a note, however she left a note fo my mom's husband and placed it on his truck and took off. You’ve had multiple claims over a short time period. He doesn't want to fix my car. If your damage is only slightly above your deductible amount, you may want to pay for the repairs yourself rather than paying the deductible and potentially see your rates rise. However, many insurers don’t follow ISO guidelines and may increase rates higher. My car was hit while parked on the street and now the insurance company is asking for my phone records and I don't want to release my records for privacy reasons what are my options. It was a hit-and-run accident. These are usually insurers that cover higher risk drivers. The person that strikes the parked car is totally responsible for the damage to the parked car, regardless of whether they have insurance. Check your neighbor's car. You return to your car after it’s been parked for a while and find a scrape down the side — or a dent in the door that wasn’t there before. It scraped up my front bumper and maybe is a few hundred dollars of damage. Inspect your car for any paint transfer from the other vehicle. If possible, you may try to look for camera around the place you parked your car. Sunday morning I woke up and I saw that a truck was parked extremely close to the rear of my car. The person who totaled my car was driving a rental car. This means that if your deductible is $1,000 and the damage is only $750, you should pay out-of-pocket and not file a claim. The other driver likely didn't mean to hit your car and is as freaked out as you. While it’s important to be aware of your local requirements, there are some common themes to help understand what the law requires if you hit a parked car and can’t find the owner of the other vehicle. Your auto insurance will probably cover you at both of these places, depending upon your coverage. According to the California Vehicle Code, the note must be in a "conspicuous location.” And no matter how tempted you are to write it with a felt-tip pen and leave it to ruin in the rain, don't do it. This way, you will be able to recover damages under the other driver's coverage. If the other person is totally to blame, notify his or her insurance company. The only time you may be held responsible is if your car was parked illegally. If your car was parked well off the hard shoulder of a highway or in a designated parking area and your car was hit while you were in it then the other driver would be almost always at fault. When a driver hits a parked car, he or she is required to make a reasonable effort to identify the owner of the vehicle and leave a written notice. Consult with a Lawyer. What do you do now? Want to bundle home and auto insurance for potential discounts? Speak with an experienced car accident attorney who will be able to guide you through the claims process to maximize the amount of damages you recover. If your parked car was damaged or hit during a time you were not around and no note has been left behind, then your insurance carrier is most likely going to treat it as a hit-and-run case. Can I sue the driver? In some states, you can serve jail time, perform community service and police may suspend your license and/or registration. The general rule is that the driver that hits the parked car is at fault for hitting a parked car. You realize my parked car was hit! Lawyer's Assistant: Has anything been filed or reported? In which case, it’s time to get a quote for the repairs. It could also disqualify you from jobs that involve driving. In New York, failing to leave contact info can result in a $250 fine and up to 15 days in jail. Begin typing to search, use arrow keys to navigate, use enter to select, Please enter a legal issue and/or a location. Don’t let the driver talk you into settling the issue yourselves without going through insurance. The person may renege and your insurer is not going to pay for the damages if you report the accident weeks later. A minor accident raises your rates by 20 to 40%, maybe a bit more," explains Penny Gusner, senior consumer analyst at Insure.com. 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