Ask Anne Marie: If My Parked Car Is Hit, Do I Have Any Coverage Options If I Don’t Have Insurance?

By InsuranceHotline.com Team
A close up of a woman's hands taking a photo of damages caused to her car.

Every week we’ll highlight the best question sent to our resident insurance expert, Anne Marie Thomas. This week’s question, about auto insurance (or lack of it), comes from an anonymous reader who has asked:

“My car is parked in my driveway and someone hit it. I don’t have any car ins. Who is responsible for the damage, Is there Fault Ins, in this case.”

Accidents involving parked cars are very common. However, if the vehicle is uninsured, damages caused will likely have to be paid for out-of-pocket, explains Anne Marie.

“I’m assuming that you don’t drive the vehicle (since it’s illegal to drive without insurance). Normally, for someone who has insurance, damage caused by a hit-and-run would typically be paid out by the insurance company under the collision section of their policy. However, since you have no collision coverage and you can’t identify the vehicle/driver who hit your car, you will be responsible to repair your own vehicle. Your best bet, in this scenario, is to report the damage to the police in the hopes they’ll find out who hit your vehicle so that you can have their insurance company pay your damages.”

It’s frustrating when another driver causes damages to your vehicle. If you’re uninsured however, your options are limited. You’ll likely have to foot the bill for repairs unless you’re able to identify the person who hit your vehicle to go through their provider for damages.

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