A parking lot accident should be treated like any other accident out on the road. Do not leave the scene or move your car. Locate the driver who hit your car and exchange information with them. Next, you’ll need to contact the police and file a police report. The last step is to notify your insurance provider to see if they cover damage resulting from parking lot accidents.
If Someone Hits My Car In A Parking Lot, Will Insurance Cover It?
If your car is struck by another car in a parking lot and you are able to prove the other driver responsible, you may be covered by their insurance. If you are either unable to prove who hit your or car or that driver does not have insurance, your collision or uninsured motorist property damage (UMPD) could pay for this damage.
It is important to note, however, that UMPD coverage cannot be used for hit-and-run accidents in all states. Unfortunately, you will have to pay out of pocket for any repairs in the event you can’t prove who caused the accident or you do not have UMPD or collision coverage.
Am I Covered If My Car Is Hit While Parked In The Street?
Cars parked along the street are not immune to accidents. If another driver hits your car while it’s parked on the street and you can prove who was responsible, their insurance should cover your repair costs.
If you cannot prove who is responsible for the accident but you do possess UMPD or collision coverage, your insurance provider will likely cover the damage. You’ll likely pay out of pocket if you cannot locate the responsible driver and do not have either coverage.
What To Do If Someone Hits Your Parked Car
If your car is struck in an accident in either a parking lot or on the street, always treat the scene like an accident. Try to find witnesses who can offer details about the accident and follow these steps below:
- Never move your car or leave the scene.
- If possible, find the responsible driver and exchange appropriate information.
- Take several photos of the damage.
- Contact the authorities and file a police report.
- Contact your insurance provider and file a claim, if needed.
What To Do If You Hit A Parked Car
If you hit a parked car, follow these steps:
- Never leave the scene as it will be considered a crime to leave, potentially resulting in a hit-and-run charge.
- Wait for the other driver to return and exchange information.
- If the person is not around, leave a note on their car with your contact information.
- Let your provider know about the incident.
What If Someone Hits Your Parked Car And Leaves?
Whenever a driver hits another car and leaves the scene, it will be considered a hit-and-run. This is a crime, and you should contact the authorities to fill out a police report. At this time, the authorities may be able to help you identify the vehicle and driver that struck your car.
Depending on your state, you may need UMPD or collision coverage in order for the damage to be covered by insurance. If someone hits your car but leaves a note, it’s best to contact their insurance provider and look for witnesses to help build your case.
Will Insurance Go Up If Involved In A Parking Lot Accident?
If you file a claim with your provider, you may experience a rate increase for coverage. Filing a claim with the at-fault driver’s provider won’t typically raise your rate since you did not cause said damage.
However, there are some insurance companies that will increase your rate when a claim is filed, regardless of fault. In most cases, this will vary based on state.
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