What to Do If Someone Hits Your Parked Car

​You are walking back to your car and you notice a huge scratch with a matching dent. What to do? First, don’t panic; there are some things you should do before leaving the spot you were parked.

1. Call the police: they will investigate and create an accident report. Be sure to also request a copy of the report and case number.
2. Gather info: document as much information about the accident and damage as possible. Take pictures of damage and anything else at the scene, like tire -marks. Be sure to also notate location, time of day and weather conditions. If the person is still at the scene or left a note acquire their information as well.
3. Notify your insurance agent: they will get the claims process started.

What if it is a hit and run?
Your insurance company may consider the absent driver as uninsured. There are different penalties for hit and run accidents depending on your state- but in some cases it is considered a felony.
 
Will insurance pay if someone hits my car while it is parked?
It depends on your coverage. Collision coverage and uninsured motorist property damage coverage are two types that could help cover damage, but you may still have to pay a deductible first.
 
Although this could potentially be a stressful situation, having certain coverage options can help. Call us to see what coverages are available in your area. Visit the allstate blog for more information.
 
The team at Hutto & Dalchau Insurance Agency help with auto insurance, home insurance, life insurance, renters insurance and umbrella insurance as well as business, commercial liability, contractor, commercial auto and surety bonds in the Hill Country area. For more information and to learn about our agency visit our website at www.huttoins.com