Does Insurance Covers Hitting A Parked Car?

No matter how good driver you are, anything might happen when you are controlling the two-ton vehicle in the parking slot. As we all aware of what actually is car insurance, it is the product that is around you to protect you in the major situation that you might have not even though of. But, do you know that if you hit the parked car anywhere, will your insurance cover that too? Do you have car insurance online process with you?

If not, then this guide will help you out to know about what would happen if you have hit the parked car anywhere with your insurance coverage. Whether you struck a parked car or your parked car is being hitten, then don’t worry you are not alone in the queue, this often happens.  In fact, as per the reports of 2010 Allstate insurance studied and have revealed that 69% of all hit and run in the U.S. involves parked cars, and around 64% of those were in the parking slots.

Hitted the parked Car

Depending upon the policy's coverage that you might have taken for, your car insurance online process may help the costs of repairing the damage to your parked car or if it’s someone car. A car insurance calculator will enable the person to compute a premium of car as well as can help to compare the insurance quotes from different insurers.Your coverage will also be subjected majorly to your policy limits, which is the maximum amount of your insurance, will pay for the covered claim processing done by you.

Here are some vital points that will make more your clear about what to do if you hit a parked car as:

·        Stay at the scene

Leaving the scene of the accident if it is mistakenly done by you is against the laws in every state. This can be considered as hit and run formula. Therefore, stay in the accident area and call the police immediately. An officer will document the incident and will create an official accident report that will typically be required to file an car insurance claim with your insurance company.

·        If no one arrives at the place, just leave a note

Keep it more simple and calm. If no one arrives at the incident place, then just leave the note over there. In that note just mention your name, contact no, address, and explanation about that accident. If you are a driver of someone else, then you are required to leave the details of a car’s owner.

·        Take photos

You should take pictures of the damage to both the cars and the license plate number of another car. These small dings can cost you up to $1000 to repair, therefore, if there is visible damage then you will need that document as well. So, don’t forget to take pictures of the accident.

·        Look for witness

Try to look for the witness alongside that will help you to make your accident more real and imperative. Get their contact information and write down or create a video with entire description of what actually had happened there.

·      Call your insurance company

Reporting the hit car accident directly to your insurance company as soon as possible will help you to expedite the car insurance claim process. Your property damage liability coverage will help you to pay for the parked car’s damage and your collision coverage will let you cover your car that you pay your deductibles.

Conclusion

Ultimately, it is crucial to driving carefully when you in the parking slot. But, there are plenty of hazards that might sometime encounter from other vehicles. Hitting a parked car in the lot can be a huge mistake or can lead to much more expensive. But, your car insurance policy will likely cover this incident just like they would cover a collision on a road.

While discovering your parked car has been damaged while you were away can be quite disturbing, upset and sometimes stressful. But, by following certain guidelines and procedure and by claim processing your file, your insurance company can help you to get paid off as soon as possible.