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Someone Hit My Parked Car. What Do I Do?

Published: December 2017

If someone hits your parked car, the first thing to do is call the police to come investigate and create an accident report. You'll also want to notify your insurance agent to start the claims process, as your auto insurance may help cover the damage to your vehicle if your policy includes collision coverage.

Damaged blue car parked on street.

Steps to Take at the Scene

There are three basic steps you'll want to take after you discover someone has hit your parked car:

  • Call the police.
    An officer will document the incident and create an official accident report, which you will typically need to file a claim with your insurance company, says the Insurance Information Institute (III). Be sure to ask for a copy of the accident report and ask for the name and badge number of the officer assisting you, the III says.
  • Document the accident.
    Gather as much information about the accident and damage as possible, states the III, including the location, general time of time of day and the weather conditions. If it is safe to do so, the National Association of Insurance Commissioners suggests taking pictures of damage to your vehicle, landmarks or signage that identify the location and other damage at the scene, such as debris or tire marks.
  • Notify your insurer.
    Contact your insurer as soon as possible after the accident, as it will be easier to remember the related details, says the III. Your agent will let you know what information is required to file the claim and what to expect during the claims process.

If the driver who hit your parked car left a note, you should share the information they provided with both the police and your insurer. Typically, your insurance company will work with their insurer to settle the claim appropriately. If it's a hit-and-run accident in which the other driver did not leave their information, your policy's collision coverage may still provide some help with the cost of repairs.

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Will Insurance Pay if Someone Hits My Parked Car?

Depending on your policy's coverages, your insurance may help with the costs of repairing the damage to your parked car. If you purchased the following coverages, they may offer some protection if someone hits your car while it's parked:

  • Collision coverage typically helps pay to repair or replace your vehicle if it's hit by another vehicle (or if you hit another vehicle or object), regardless of who is at fault. Even if you cannot find the other driver, you may be able to file a claim on your own auto insurance policy's collision coverage.
  • Uninsured motorist property damage coverage may help cover the costs of repairs if your parked car is damaged by a driver who is uninsured or does not have enough coverage to pay for the damage. This is optional coverage, however, and it is not available in every state.

With both collision and uninsured motorist property damage coverage, you may be responsible for paying a deductible before your insurance provider will help pay for the damage. Your coverage will also be subject to your policy limits, which is the maximum amount your insurance will pay for a covered claim.

While discovering your parked car has been damaged while you were away can be upsetting and stressful, having certain auto insurance coverages can help keep a bad situation from being worse.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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