If you only have liability insurance and were hit by another car, the at-fault driver's liability insurance will pay for your injuries or property damage. If the other driver has no insurance, you can file a claim with your own uninsured motorist coverage, if you have it.
Your liability insurance will not apply when you are hit by another car because it only pays for other drivers’ medical bills and vehicle repairs when you are at fault. Consequently, if you have liability-only insurance, you will need to pay out of pocket for your own bills if you cause an accident. But if another driver is at fault, their liability coverage will pay for the damage they cause to you and your property, up to their policy limits.
If someone hit your parked car, you should file an accident report with the police, even if an officer can’t come to the scene. A police report is not always required to file a claim, but it does make the process easier and might come in handy if there is more damage than you initially think.… read full answer
If the person who hit your car left a note, their insurance company should pay for your expenses with property damage liability insurance. But if the incident was a hit-and-run, you or your insurance company will end up footing the bill.
What to Do After Someone Hits Your Parked Car
1. Contact the police to file an accident report.
An officer might be dispatched to the scene to investigate and write a report, or you might be asked to provide details to your local district in person or online.
2. Document the accident at the scene.
Take photos of the note left by the other driver, if there was one. Photograph any damage to your car and the overall scene, including a view of the roadway, the position of your vehicle, and any wreckage or skid marks.
If possible, get information from witnesses, including names, contact details, and a brief statement. Note the date, time, location, weather conditions, and any other relevant details, too.
3. Begin the claims process with your insurance company.
Your insurance company will guide you through the claims process and contact the other driver’s insurance provider on your behalf, if the person who hit your car left a note. If someone hit your car and didn’t leave a note, you’ll have to file a claim using your own collision coverage or uninsured motorist protection, assuming you carry these coverage types.
Insurance To Use If Someone Hits Your Parked Car
If your car is hit while parked, you can use your collision insurance or uninsured/underinsured motorist coverage to pay for the damage. Both types of coverage typically have a deductible, though, which means you’ll probably pay something out of pocket to get your car fixed. You’ll also be subject to your policy limits, so you’ll be responsible for any cost that exceeds your coverage terms.
Finally, it’s important to note that uninsured motorist property damage coverage is not available in some states. And in other states where it is available, you might be unable to use it if the at-fault driver is unidentified.
If your car is totaled and you only have liability insurance, you will have to pay to replace the vehicle yourself or file a claim with the other driver’s insurance company. Liability coverage alone does not protect your car in any way, just injuries and damage you may cause to others. You need to have … read full answercollision, comprehensive, or new car replacement coverage if you want your insurance company to pay to replace a totaled car. However, if your vehicle is damaged or totaled in an accident that isn’t your fault, you should make a claim on the at-fault party’s property damage liability policy to get your car repaired or replaced.
Only Having Liability Insurance Will Not Cover:
Damage to your vehicle from an accident.
Damage to your vehicle from fire, hail, flooding, fallen trees/limbs, or animal strikes.
Injuries you or your passengers incur.
Theft or vandalism of your vehicle.
On the other hand, collision coverage would help if you cause a run-in with another vehicle or object that totals your car. Comprehensive coverage would apply to damage caused by a fire, storm, or animal encounter, as well as if your car is stolen. Finally, new car replacement coverage would let you recover the full value of a newly purchased vehicle that gets totaled.
If a car accident is not your fault, your insurance rate could still go up, depending on your state and insurance company. On average, a not-at-fault accident makes insurance costs go up by about 12%, compared to 45% for an at-fault accident.
Insurance rates can go up after a not-at-fault accident because statistics show that having any accident on your driving record makes you more likely to file a claim in the future. And in some situations, not-at-fault accidents can still cost insurers money. … read full answer
California and Oklahoma are the only two states that prohibit insurance companies from raising rates after not-at-fault accidents. In states where it is allowed, the exact amount that your premium will go up depends on your insurance company. As of 2017, for example, Progressive increased premiums by an average of 16.6% after a not-at-fault accident. Meanwhile, Allstate only increased rates by 4.8%, and drivers with State Farm didn’t see their rates go up at all.
Situations Where Your Insurance Company Has to Pay
In most cases, your insurance company won’t have to pay for a not-at-fault accident since the other driver’s policy will cover your expenses. But if you’re hit by an uninsured motorist or you’re the victim of a hit-and-run, your policy might cover the damages depending on what types of coverage you have. Liability insurance alone wouldn’t cover your expenses, but other types including collision and uninsured/underinsured motorist would. And if you live in a no-fault state, your insurance company will have to pay for your medical expenses regardless of who caused the accident. As a result, any cost to your insurer will be taken into consideration when your insurer is re-evaluating your premium.
Although it’s frustrating to be charged for an accident that wasn’t your fault, the effects on your premium will only be temporary. Accidents usually only stay on your driving record for three years, so if you continue to practice safe driving habits during that time, your rates will eventually go back down.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.