Can You Make a Claim for a Car That Was Hit While Parked?

It's a common concern: if something strikes your car while it's parked, can you still make a claim on your car insurance? The answer is yes, and understanding the process is crucial to navigating such situations effectively. This article will explore the steps you should take and what to expect when dealing with a parked car accident.

Understanding Liability Coverage

Liability coverage on your car insurance policy is designed to protect you if you are at fault in an accident that involves injuring someone or damaging another vehicle or property. If you cause damage to a parked car, your insurer can cover the damages as long as you have liability coverage. This means that if your car accidentally hits a parked vehicle, you would need to notify your insurer immediately.

What to Do After a Parked Car Accident

Here are the steps you should follow if your car hits something while it is parked:

Stay and Report the Accident: Even if your car was parked, if it caused damage to another vehicle or property, you should stay at the scene and report the accident to the at-fault party. This is mandatory by law in most jurisdictions and is a responsible thing to do. If the owner of the other vehicle is not present, you should leave a note with your contact information and details of the accident. Take Photos: Take pictures of the damage and the scene. This will help support your claim and ensure that you have a clear record of the accident. Find Witnesses: If possible, finding and speaking to witnesses can add credibility to your claim. Witnesses can provide additional evidence and support your side of the story. Notify Your Insurance Company: Contact your car insurance provider to report the accident. Provide them with the necessary details, including the location of the incident, the extent of the damage, and any witness information. Cooperate with the Adjuster: When your insurance company assigns an adjuster to investigate the accident, cooperate fully by providing the necessary documentation and information. The adjuster will assess the damage and determine the appropriate compensation.

The Impact on Your Insurance Premium

When a car is involved in an at-fault accident, it can have an impact on your insurance rates, even if the car was parked. Insurance companies typically view this as a liability incident, and your rates may increase. However, the extent of the increase depends on several factors, including the amount of damage, the at-fault party's insurance coverage, and the insurance company's specific policies.

Common Factors Influencing Your Insurance Rates

Evidence of Fault: If your insurance company determines that you were at fault, your rates may increase. However, if it is determined that the accident was caused by another party, your rates may not be affected as much. Deductible Amount: The amount of your deductible can also play a role in the cost. Higher deductibles can sometimes lead to lower premiums, but may require more out-of-pocket expenses in the event of a claim. Insurance Company Policies: Different insurance companies have different policies and rates. Some may be more lenient than others in adjusting premiums based on minor incidents.

Conclusion

While it might seem impossible for a parked car to hit something, accidents can and do happen. It's important to handle such situations responsibly and follow the proper procedure to mitigate any potential issues with your insurance.

If you need further clarification or assistance, our customer service team is always ready to help. Remember, staying informed and proactive can help you navigate the complexities of car insurance claims.