Someone hit my car in a parking lot, am I covered?

If someone hits your car in a parking lot or your car is hit while parked on the street, you should treat the scene like an accident. Here are the first things to do in these situations:

  • Don't leave the scene or move your car
  • Locate the person who hit your car and exchange information (if possible)
  • Take photos and contact the authorities to file a police report
  • Contact your insurer and file a claim if necessary

What to do if someone hits your parked car and drives off

If someone hits your parked car and drives off, the accident could be considered a hit-and-run. This is a crime, and you should contact the police to file a report. The police might also be able to help you identify who hit your car. Reference your policy details or talk to your insurance company to see what coverages you have to protect you against a hit-and-run. Depending on the state, you may need collision or uninsured motorist coverage in order for your damages to be covered.

Who will pay for damages to my car?

If the person who hit you has insurance, their insurance company will more than likely cover the costs to repair your vehicle. If they're at the scene of the accident or they left a note, get their contact and insurance information so your insurer can follow up.

If you're unable to identify who hit your car and they didn't leave a note, you may need to file a claim to cover the cost of repairs to your vehicle. It’s recommended you do this as soon as possible following the accident.

Will my insurance go up after someone hits my parked car?

If you have to file a claim with your own auto insurance company, you may see a rate increase. Some insurance companies will increase your rate any time a claim is filed, regardless of fault, depending on your state .

What to do if you hit someone else's parked car

Accidents happen. Here are the first things you should do in this situation:

  • Don’t leave the scene. It's a crime to leave and you could be charged with a hit-and-run.
  • Wait to see if the person returns to their car and exchange information.
  • Leave a note with your name, contact information, insurance company, and an explanation of the accident.
  • Contact your insurance company to start the claims process early.

Who will pay for damages to their car?

If you're cited for the accident and considered at fault, in most cases, you'll need to file a claim in order for your insurance to cover the cost of repairs for their vehicle. It's generally a good idea to file a claim for an at-fault accident to avoid large out-of-pocket expenses.

Will hitting a parked car raise my rate?

There's a good possibility an at-fault accident could increase your rate. The factors that impact your rate vary between insurance companies, though most consider any at-fault accidents you've had. Fortunately, at-fault accidents typically fall off your driving record after a few years.