What to Do When Your Parked Car is Hit by a Hit-and-Run Driver

Drives off without a trace or leaves after a fender-bender? Here’s how to handle a hit-and-run incident when your car is parked, and the steps you should take to get help and insurance coverage.

Immediate Actions to Take

The first and most critical step in dealing with a hit-and-run incident is to ensure both you and your car are safe. If it is safe to do so, briefly assess the damage. Take photos or videos for documentation. Proceed to call the police immediately. This is an important step to assist in the investigation and recover quicker from a potential broader crime.

Contact Law Enforcement

Calling 911 or your local law enforcement agency is the most crucial action you can take. Inform them of the incident, providing as much detail as possible, including any license plate numbers, descriptions of the driver and passengers, and the make and model of the other vehicle. The more information you can provide, the faster the authorities can assist in finding the hit-and-run driver.

Document the Incident

1. Get the License Plate Number: If you can get a clear look at the license plate, write it down or take a photo with your phone.

2. Gather Witness Statements: If there are any witnesses, ask them to provide contact information and a written statement about what they saw.

3. File a Police Report: Ensure you file a report with the police. This report is necessary for filing an insurance claim.

Contact Your Insurance Company

After contacting the police, your next step should be to contact your insurance provider. They can guide you through the necessary steps to file a claim and ensure that your insurance coverage, if available, will cover the damages. If you have uninsured motorist coverage, your insurance company may be able to cover the costs of repairs unless the hit-and-run driver is found.

Considering Your Insurance Coverage

Whether or not you have the appropriate insurance coverage for your situation can make a significant difference in how you handle a hit-and-run incident.

Parking Insurance Coverage

Typically, a comprehensive car insurance policy includes coverage for damage to your vehicle while it is parked, such as a hit-and-run. Common insurance companies like Auto-Owners, State Farm, and Mercury are known to be responsive to hit-and-run claims, but it is essential to check with your specific insurance policy to understand what is covered.

Evaluating the Damage

Less Than Your Deductible: If the damage is less than your deductible or barely over it, consider paying for the repairs yourself. In this case, making a claim may not be worth it due to potential increases in your insurance premiums. Exceeding the Deductible: If the damage exceeds your deductible or you have comprehensive coverage, your insurance company will handle the claim. However, understanding the specific procedures of your insurance company is crucial to ensure you are fully covered.

Some insurance companies offer a claims-free discount, which could be lost if you file a claim, or they might place you in a higher rate category for customers with recent claims. Always review your policy and consider the total cost before deciding whether to file a claim.

Conclusion

A hit-and-run incident can be frustrating and overwhelming, but taking action immediately and understanding your insurance coverage is essential. By following these steps, you can better protect yourself and ensure your car gets the necessary repairs.