Your Parked Car Was Hit: What to Do
A parked-car hit splits into two paths depending on whether the other driver stayed. If they left a note: their liability insurance pays, you're a victim with a straightforward not-at-fault claim. If they fled: it's a hit-and-run and your own coverage (collision or UM-PD in some states) is the primary recovery path. This page is specifically for the parked-car scenario; general hit-and-run guidance is at hit-and-run victim.
Scenario A: Driver left a note
- Document the damage: photos of your car, the note, surrounding scene.
- File a police report (not required in every state but useful for insurer).
- Call the other driver's insurance (the note should include it) and file a claim as the claimant.
- Their liability property-damage pays your repair plus loss-of-use (rental during repair).
- Your own policy need not be involved; no surcharge, no CLUE entry on your side.
Scenario B: Driver fled (hit-and-run)
- Photograph the damage and any debris. Note the time you discovered it.
- Look for witnesses, security cameras, or doorbell/dash cams. Convenience-store, parking-garage, and residential doorbell cameras have identified many hit-and-run drivers.
- File a police report within 24 hours (required for UM-PD claims in most states).
- Call your own carrier. Open a claim under:
- UM-PD if your state offers it and you carry it. Common $200 to $300 deductible or none, depending on state.
- Collision otherwise. Your collision deductible applies ($500 typical).
- If the driver is later identified via investigation, your insurer may subrogate against their policy and refund your deductible.
When collision beats UM-PD
UM-PD in some states caps at $3,500 or $5,000 (CA: $3,500 cap). If your repair exceeds that, collision has no cap and may be the better choice. The trade-off is collision applies your deductible; UM-PD may not. On a $4,000 repair in California: UM-PD pays $3,500 (if you carry it), collision pays $3,500 after $500 deductible. Collision wins by $0 here but UM-PD is less friction. On a $12,000 repair: collision pays $11,500; UM-PD caps at $3,500. Collision wins by $8,000.
Will my rate go up?
- Note-left scenario: no, you're not at fault; the other party's insurance paid.
- Hit-and-run with UM-PD: typically no surcharge; UM claims rarely rate-up.
- Hit-and-run with collision: typically no surcharge; collision for a parked loss is a not-at-fault claim. Multiple comp or collision claims within 3 years can trigger non-renewal in rare cases.
Sources
- Insurance Information Institute: parked-car damage guidance.
- State UM-PD statutes (CA Ins. Code 11580.2 $3,500 cap; GA, OR, SC).
- National Insurance Crime Bureau: hit-and-run recovery rates.