June 23, 2024
What to Do if Your Parked Car Gets Hit

 

When you return to your parked car, you expect it to be in the same condition as you left it. Unfortunately, as we all know, accidents happen, including accidents involving parked cars. Sometimes those accidents can cause serious damage to your vehicle. In addition to calling your insurance carrier to tell them that “someone hit my parked car,” there are other things you need to do.

 

Steps to Take if Your Car Gets Hit While Parked

It’s important to know what to do if someone hits your parked car so you can take steps to resolve the situation as quickly as possible. Here’s a checklist of actions to take immediately:

 

Call the police: In a hit-and-run accident, it is important to call 911. If the police come to the scene, make sure to note the police department jurisdiction (state versus a town, for example) and the officer’s name to help obtain a police report later, if necessary.

Document the damage: You may want to take your own pictures of the accident, too. If it is safe to do so, use your smartphone to take pictures from all angles. Document each scratch, dent and any debris left behind at the scene.

Contact your insurance agent or Travelers representative: Let your insurance agent or insurance representative know what happened by providing the details of the accident. Your agent or representative can help you in the event you decide to file a claim. If the person that hit your car left a note, your agent or representative will be able to guide you through the process of dealing with the other driver’s insurance provider.

Try to stay calm and follow these steps in this order. This may help you expedite your claim experience so you can get your car back on the road as soon as possible.

 

Does Insurance Cover Damages if Someone Hits My Parked Car?

In many instances, your insurance company will help cover the cost of repairs, but it depends on the type of coverage you have in place.

 

Damage to a parked car would typically be covered under collision coverage. This coverage helps cover the costs to repair or replace your vehicle when it is involved in an accident with another vehicle or object – even when it is parked.

 

With collision coverage, you are typically required to pay your deductible before your insurance payment kicks in.* If you’re not sure how much you’ll be responsible to pay, ask your agent or Travelers representative.

 

Will My Insurance Premium Go Up if Someone Hits My Parked Car?

Typically, when you file a claim, your insurance premiums may go up. Your agent or representative can provide you with further information about how your premium may be affected.

 

Getting into an accident can be stressful, regardless of what kind of accident it is. Learn more about car insurance now to help be prepared to handle an accident in the future.

 

Find a local independent agent or contact a Travelers representative to get a car insurance quote today.

 

*Other coverages and deductibles may apply.

 

Share on Facebook

Share on Twitter

Share on LinkedIn

Share on Pinterest

Share with email

Print this page

Woman checking tire tread of car as part of regular car maintenance routine.

TOP STORIES

The Importance of Regular Car Maintenance

From monitoring fluid levels to testing brakes, understanding your car’s needs can help you identify potential issues.

 

Learn More

Related Products & Services

Collision Coverage

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over.

 

Roadside Assistance

Roadside coverage is an option that provides several convenient services in the event your car gives you trouble.

 

Car Insurance FAQ

Get answers to your car insurance frequently asked questions, like why you need car insurance and how much car insurance coverage you need.

 

More Prepare & Prevent

MORE PREPARE & PREVENT

What to Do if You’re in a Car Accident

No one likes to think about the prospect of being in a car accident, but if you think ahead and understand what steps to take, you may feel better prepared for the unexpected.

 

Person calling for help after a car accident.

3 minutes

MORE PREPARE & PREVENT

Shopping for a Safe Car

Check for these seven signs of a safe car when evaluating a vehicle for purchase. These tips can help you drive off in a safe car.

 

Couple shopping for a new car.

5 minutes

MORE PREPARE & PREVENT

10 Tips to Reduce Distracted Driving

From stowing your phone to speaking up when you see distracted driving, these tips can help avoid dangerous activity on the road.

 

Mother driving safely with daughter in backseat.

2 minutes

EXPLORE MORE ARTICLES

GET AN INSURANCE QUOTE*

 

 

Travelers and The Travelers Umbrella are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

 

©2024 The Travelers Indemnity Company. All rights reserved.

 

PRODUCTS & SERVICES

Individuals & Families

Businesses

Claims

Prepare & Prevent

OUR COMPANY

About Travelers

Careers

Investors

Sustainability

Travelers Institute

CONNECT

Contact Us

MyTravelers®

For Agents

Find An Agent

LEGAL & COMPLIANCE

Terms of Service

Privacy Statements

Cookie Settings

Accessibility

Producer Compensation Disclosure

 

Leave a Reply

Your email address will not be published. Required fields are marked *