What to Do When Someone Hits Your Parked Car in Texas

Finding your parked car damaged is an unwelcome surprise that can leave you frustrated and helpless. In Texas, like any other state, such incidents are not uncommon, and knowing how to handle the situation is crucial. Whether your car was hit on the street or in a parking lot, understanding the steps to take is essential to ensure a smooth resolution.

Exploring Insurance Coverage After Street Collision

The first question that likely comes to mind is whether your insurance will cover the damages. The good news is that comprehensive coverage typically includes protection against non-collision incidents, such as vandalism and hit-and-runs. Contact your insurance provider promptly to report the incident and inquire about the coverage details. They will guide you through the following steps and provide the necessary information to file a claim.

What Should I Do If Someone Hits My Parked Car?

If you return to your parked car to find it damaged, take a deep breath, and don’t panic. Start by assessing the extent of the damage and document it thoroughly. Take pictures from various angles, capturing both close-ups and wider shots. Note the time and location, and gather any information from potential witnesses. This evidence will be invaluable when filing an insurance claim.

Next, leave a note with your contact information on the other vehicle’s windshield. Even if the responsible party is not present, this demonstrates your willingness to handle the situation responsibly. In Texas, leaving the scene of an accident without providing information violates the law, so taking these steps can protect you legally.

What if Someone Hits My Parked Car and Leaves?  

Hit-and-runs are unfortunately common, and they can leave you feeling helpless. In Texas, report the incident to the local police immediately. Provide them with all your information, including pictures, witness statements, and any available surveillance footage. A police report is crucial for your insurance claim and may aid in identifying the responsible party.

If the culprit is found, their insurance may cover the damages. However, if they remain elusive, your insurance policy’s uninsured motorist coverage might come into play. Consult with your insurance provider to understand how your coverage can protect you.

Will My Insurance Go Up If Someone Hits My Parked Car?

The fear of increased insurance premiums is a valid concern for many. Fortunately, if someone else is at fault for the damage to your parked car, it is unlikely to affect your rates. Since these incidents fall under comprehensive coverage, which covers events beyond your control, insurers typically do not view them as at-fault accidents on your part.

However, confirming this with your insurance provider is crucial, as policies can vary. Reporting the incident promptly and providing the necessary documentation will ensure a transparent and fair assessment.

What Should I Do If I Hit a Parked Car?

On the flip side, honesty is the best policy if you accidentally hit a parked car. Leaving the scene without providing your information is against the law. Leave a note with your contact details on the damaged vehicle and report the incident to the local authorities. If the damage is significant, contact your insurance provider to report the accident and seek guidance on the next steps.

Trust Pierce Insurance Group for Expert Claims Guidance

Experiencing a hit-and-run or returning to a damaged parked car can be stressful, but understanding the necessary steps and being proactive in reporting the incident can make the process smoother. Remember to contact your insurance provider promptly and follow their guidance throughout the claims process. In the face of uncertainty, having the right insurance coverage and taking the appropriate steps can make all the difference.

Contact us at Pierce Insurance Group for expert guidance on navigating car insurance claims and securing comprehensive coverage tailored to your needs. You can even call us directly at (469) 2528001

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