Parked car accidents

We'll get to the bottom of how this is covered, Sherlock style!

Let's get started!

Did you have any way of identifying who hit you (witnesses, cameras, notes, etc.)?

Back
Start Over

Do you have insurance?

Back
Start Over

Typically, the other driver would be at fault

Contact their company to file your claim, and they should pay for your repairs. If they don't have insurance, and you can't get them to pay out of pocket, you can instead file a claim with your insurance company.

If the other driver is not around, head back into the store to see if they will allow you to check the security camera footage. Also, be sure to take pictures.

Back
Start Over

Sorry, but you'll have to pay out-of-pocket for this one

You can get an auto insurance quote online and get coverage today. Then, you'll be covered in the future.

Back
Start Over

Case closed: You're likely covered

As long as you have collision, you're covered. Most drivers have collision, and you can find your coverages info in your online insurance account or in your policy documents. If you don't have collision, uninsured motorist property damage can also cover this accident. But this coverage is not offered in every state, and in some states it won't apply if the driver is unidentified.

Next up: File a claim with your insurer. Keep in mind, you may have to pay your deductible.

A deductible is the amount you pay if you have an accident or claim. For example: If you have a $500 deductible and $1,000 in damage—you pay $500, and your insurer will pay the rest.

See more on collision insurance and how car insurance deductibles work.

Back
Start Over

Please note: The above content is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for, nor do we endorse or approve, the content of any third party sites linked from this page. Access to such sites is being provided for informational purposes only.

Progressive