When you think about car accidents, you probably only think about damage caused to your car while on the road. But what happens when your car is damaged while you are not there? What do you do when your car is hit while it is parked? These are questions that we will attempt to tackle in todays blog.
The first thing that you can do when you notice that your car has been damaged is look to see if the person has left any information. Most people will leave a phone number or note for insurance so they are not responsible for a hit and run. However, there is a large contingent of people who will just leave the scene. In this situation, the damage to your car will most likely be covered by collision coverage on your policy, if you have it.
It is always important to document these situations. Whether it is taking photos of the damage or writing down as much information about the perpetrator as possible. If the person is nice enough to wait for you, make sure to get their name, phone number, picture of their driver's license and insurance information. If they are not then you are going to have to file a claim through your insurance policy. Having documentation of how you found your car and your interpretation of events is very important for the claims process.
In the worst case scenario, the person that caused the accident does not have insurance, or has inadequate coverage. This is where collision coverage comes into play. This coverage will cover almost all of the repairs, after the deductible.
Whether you park on the street at night or are just worried about the dreaded parking lot accident. Then you should think about adding collision coverage to your standing policy, if you do not have it.
At AZ Insurance Team we specialize in finding the right policy for your situation. We understand that everyone has different insurance needs. Give us a call today at (480) 535 5709 and let us help you find your perfect policy!
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary on state, insurance company, and type of policy.
<a href="https://www.freepik.com/free-photo/car-car-park_4334644.htm#fromView=search&page=1&position=1&uuid=82f76053-0596-4e23-8776-61020b9f19dc">Image by jcomp on Freepik</a>
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