Q) Another car hit my car while it was parked in an underground parking lot. If they claim this accident on their insurance will it affect my rates?

A) If you can identify the other driver and they are found to be 100% at fault, then the claim will not affect your car insurance rates. One thing to note, if your car is damaged and you don’t know who was responsible (hit & run), you must report the damage to the police within 24 hours in order for the loss to be considered not at fault by most insurance companies.

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