Discovering that someone hit your parked car can be frustrating and stressful. However, taking the right steps can help you handle the situation smoothly and avoid unnecessary expenses. Here’s what to do when someone hits your parked car to protect yourself and your finances.

1. File an Accident Report

One of the first things to do when someone hits your parked car is to file an accident report. If the police don’t come to the scene, you can usually file a report at a local police station or on their website.

A police report provides official documentation, which is useful for insurance claims and potential legal issues. If it was a hit-and-run, call 911 and note the officer’s name, badge number, and department to track the investigation.

2. Gather Information From the Other Driver

If the driver is present, ask for their contact and insurance details. If they’ve left a note, keep it safe for your records. In the case of a hit-and-run, try to collect any details from witnesses or security cameras in the area.

3. Document the Damage

Take clear photos of your car from multiple angles, including any surrounding debris. These pictures can serve as evidence when dealing with insurance companies or law enforcement.

4. Contact Your Insurance Company

Notify your insurance provider about the incident as soon as possible. Share all gathered information, including photos, the police report, and any notes left by the other driver.

5. File an Insurance Claim

If you know who hit your car, file a claim with their insurance provider. If the responsible driver is unknown, you may need to file a claim under your collision or uninsured motorist coverage. Keep in mind that you’ll likely have to pay your deductible if filing with your insurance.

Will Your Insurance Go Up?

If you file a claim with the at-fault driver’s insurance, your rates generally won’t increase. However, if you use your own insurance, a rate hike is possible, depending on your policy and claim history.

The Bottom Line

Knowing what to do when someone hits your parked car can make the process easier. Always file a police report, collect information, document the damage, and contact your insurance company. These steps will help you resolve the situation quickly and minimize financial stress.

If you ever need expert assistance or guidance on your credit journey, don’t hesitate to reach out to the Nerds! Additionally, stay updated with the latest tips and information by following us on Facebook, Instagram and TikTok!