Quick Answer: Does Your Insurance Go Up If Someone Hits Your Parked Car?

Why do I have to pay a deductible if I not at fault?

Your insurance company will pay for your damages, minus your deductible.

Don’t worry — if the claim is settled and it’s determined you weren’t at fault for the accident, you’ll get your deductible back.

The involved insurance companies determine who’s at fault..

What do you do if someone hits your parked car?

Here are six things to do if you get into a rental car accident:Make sure everyone is OK.Exchange contact information.Document the accident with notes and pictures.Contact your car rental company.Contact your own insurance company about the rental car accident.Find out who’s responsible for paying what in a claim.More items…

What should you not say to your insurance company after an accident?

What Not to Say to an Insurance Company After a Car AccidentDon’t make any statements right after an accident. … Don’t admit fault. … Don’t say you are uninjured. … Don’t give an official statement or recorded statement. … Don’t accept a settlement without consulting an attorney. … Stick to the facts. … Medical records.More items…

Should you contact your insurance company if you are not at fault?

Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault.

Can you sue someone for hitting your parked car?

In at-fault car accident states, you shouldn’t have to pay if someone hits your parked car. … Instead, you may sue the driver that hit your parked car for your losses. If the driver can’t be located, your insurer may cover your losses as an uninsured driver if you elected that type of insurance coverage.

Do I have to tell my insurance if someone hits me?

Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened. But make it crystal clear that this is for ‘information only’ and you don’t wish to make a claim.

How does car insurance work if I’m not at fault?

Even if you’re not at fault, you can make a claim with your insurance company for payment of damages and injuries — if you have the right coverages. … It will pay for the cost of repairs or total loss of your vehicle. If you take this approach, you will have to pay your collision deductible toward repairs.

Should I call the other person’s insurance company?

Generally speaking, you shouldn’t talk to the other insurance company when there is the potential for anyone involved in the accident (you, the other driver, a passenger) making a claim for serious personal injuries. … Having said that, in some situations, it may make sense to speak with the other insurance company.

Do you have to pay a deductible if you’re not at fault?

You do not have to pay your deductible if you are not at fault for the car accident. That being said, you might want to pay your deductible and file for damages with your own insurance company, instead of filing with the at-fault driver’s insurance. … Filing a claim with the at-fault driver’s insurance company.

Do you call the cops if someone hits your car?

If someone hits your parked car, the first thing you should do is call the police so they can investigate and create an accident report.

What if someone hit my car and drove off?

Stay at the scene: It may be tempting to immediately drive off to catch the person who hit your car. … Call the police: Some states require you to file a police report, even if there is a written note by the other driver. The official police report can be used to preserve any evidence found at the scene.

Will my insurance go up if my car was hit while parked?

Your rates may go up after someone hits your parked car if you file a claim with your own insurer, however — even though you had nothing to do with the accident. Some insurance providers will raise your rates whenever you file a claim, regardless of fault.

What happens when someone hits your car in a parking lot?

Write down the license plate number and take a photo of the damage if you have a camera or smartphone with you. Call the police. Depending on how extensively the car has been damaged, you may want to involve the police. They’ll document the accident and they can help you find the other car’s owner.

Do your insurance rates go up if you are not at fault?

Usually, a no-fault accident will not raise your insurance premium. … If your insurance company doesn’t have to give you any money for the claim, your rate won’t go up. However, if you have a history of at-fault accidents or other claims, it’s possible that your rate could increase following a no-fault crash.