It happens every day,… a car is parked on the street and gets hits by another vehicle. That other driver simply speeds away, expecting never to be caught. Unfortunately, it is difficult to track down offenders unless the accident was caught on camera or witnessed by someone who calls police. So, what should you do if your vehicle is hit while parked in MA?
Reporting the Accident
You may want to report this accident to police. Although it’s difficult to track down drivers who hit and run, there’s always a chance. Additionally, if this starts occurring more widely, it’s helpful for police to be on alert. Reporting incidents also contributes to statistics that monitor accident rates in different areas.
Getting Your Vehicle Fixed
If you have collision coverage on your MA auto insurance policy, then the damages will be covered. However, since you have not identified the party at fault, you will be responsible for paying the deductible. Depending on the amount of your deductible and the extent of the damages, it may or may not make sense to even file a claim. For example, if you have a $1,000 deductible and the damages are only $700, then insurance would not cover anything anyway. On the other hand, if damages are $2,000 and your deductible is $1,000, you’ll pay the $1,000 out of pocket and your insurance company will cover the rest.
Changes to Insurance Premiums When Vehicle Is Hit While Parked
The good news is, since you were not technically at fault, you will not be penalized for the accident. Your insurance premiums will not increase as a result. However, if your vehicle is hit while parked multiple times, your insurance company may see your policy as a risk and fail to allow renewal in the future. In that case, you will need to find a new insurance company.