What Happens When You Hit a Parked Car and Flee: Insurance, Legal, and Consequences
It’s a scenario that every driver hopes they will never face: accidentally hitting a parked car and then driving away. The question on everyone's mind is, “Will my insurance cover the damage if caught?” This article delves into the potential consequences, both legal and financial, of such an incident, and the role your insurance plays.
What Is a Hit and Run?
A hit and run occurs when a driver strikes another vehicle or property and subsequently leaves the scene of the accident without providing information or assistance to the other party involved. Parking lots, residential areas, and even the side of the road can all be the scene of such incidents.
Will Your Insurance Cover the Damage?
While your insurance coverage can be a lifesaver, the extent of coverage depends on the type of insurance policy you have and the specifics of the incident. Here’s a breakdown:
Auto Insurance Policies
Typically, liability coverage is included in most standard auto insurance policies. Liability coverage applies when you are at fault for an accident, covering damages to the other party's property. If you hit a parked car and flee the scene, the car owner has the right to file a claim against your liability coverage. However, if the car owner decides not to report the incident, liability coverage may not be invoked.
Comprehensive Coverage
Comprehensive insurance covers damage to your vehicle, such as theft, vandalism, or hitting parked cars by accident. While this policy is more likely to cover the damage to the parked car, it typically does not cover the parked car's property if you are driving your own vehicle at the time of the accident.
Comparing Coverage
1. **Liability Coverage**: Primarily covers damages to other parties' property and injuries. If the car owner reports the incident, you may be covered under this policy. 2. **Comprehensive Coverage**: Covers damages to your own car, not the parked car.
Consequences of Fleeing the Scene
Fleeing the scene of an accident can have serious legal and personal consequences. Here are some potential outcomes:
Legal Consequences
1. **Hit and Run Charges**: Depending on the severity of the incident, you could face hit and run charges. In many jurisdictions, fleeing the scene without providing information or assistance is considered a criminal offense. 2. **Civil Penalties**: The car owner may sue you for damages, and you could be held financially responsible for the repairs or any property damage. 3. **License Suspension**: If caught, your driver's license could be suspended, and you may face higher insurance premiums in the future.
Police Involvement and Consequences
When evidence and allegations are solid, the police will be involved to investigate the incident. If they determine that you were responsible, a “hit and run” warrant or arrest could be issued. Notification to the Police: If the incident is significant, such as property damage or injury, you must notify the police immediately. Witness Statements: If witnesses report the incident, their statements can be crucial in building a case against you. Strict Evidence Collection: The scene can be thoroughly examined, and photographs and surveillance footage may be used to determine liability.
What to Do If You Register a Hit and Run?
1. **Stay Calm and Assess the Situation**: If you hit a parked car and realize someone is following you, stop and exchange information. 2. **Provide Information**: Provide your name, license plate number, and insurance details to the car owner or any witnesses.
Consider the Following
1. **Photographs and Evidence**: Take photos of the damage and the parked car for documentation purposes. 2. **Consult a Legal Professional**: It’s a good idea to consult a legal expert to understand your responsibilities and potential defense strategies.
Conclusion
Hitting a parked car and fleeing the scene is a serious offense that can lead to significant financial and legal repercussions. To protect both yourself and others on the road, be vigilant and responsible while driving. If an incident occurs, always report it and cooperate fully with the authorities. Knowing what to expect and handling such situations appropriately can prevent considerable future troubles.
Remember, your insurance coverage may vary, and the best way to navigate such situations is to be prepared and informed. If you have any concerns or questions about auto insurance or how to handle an incident, don’t hesitate to reach out to a professional insurance advisor.