Someone hit my parked car...now what?

Question

I woke up this morning to find out the cover of one of my lights is missing, the front bumper has a scratch and part of the grille is cracked. Only place this may have taken place is the grocery store parking lot last night as there were few cars around, or in my driveway (the part of the vehicle in question sat at the end of the driveway and someone may have backed into my car turning around). Can I file an insurance claim? The vehicle is leased and has full coverage but I've never dealt with this type of thing.

? · Accepted Answer

Sure you can file a claim.  Because the at fault person is unknown you will have to file a not at fault claim.  Because you have full coverage your claim will most certainly be honored and will more than likely not increase your insurance premium.

gjg1957 · Answer

"Hit and run" coverage is part of "comprehensive" in most coverage.  I don't have comprehensive on either of my cars, but your "full coverage" sounds like what I call "comprehensive", so you're probably covered.  There should be a claims phone number on your insurance papers.  Ask them how to go about filing a claim.  You probably have to file a police report first, and there may be a time limit (3 days in the jurisdiction where I grew up) between discovering the damage and filing the police report.

JetDoc · Answer

Check the deductible on your insurance policy.  If you have more than a $500 deductible, it's probably cheaper in the long run to just pay for repairs out of your own pocket. If you file an insurance claim, you'll still have to pay the deductible, AND your insurance rates will go up.

Shih Tzu · Answer

Call the police and report it.  Go from there.  Contact your insurance carrier, they will know how to handle it.

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Someone hit my parked car...now what?

4 Answers