If someone hit and runs you while you're parked, will insurance pay for the damages.?

jim4xracing

If you carry collision you can file on it but your deductible will apply and some companies will hold the claim against you. If you carry uninsured motorist property damage that will apply

luther

It would depend on your coverage.

wiegel81

If you have collison coverage, yes, they will pay for the damages. If not, then no, they won't pay for your damages and you are SOL. There are some stupid people out there who need to learn that hit and run is not legal and should be punishable by jail time.

I'm_Bored

Yes, if you have comp and collision it will be picked up in most states. It would be better if you called the police and had a report filed.

Keep in mind your premium may go up, even though it's not your fault. So you have to weigh the cost of the damage after your deductible vs. years of higher premiums.

HULK RULES!!

Yes, they will pay for it. A suggestion though even if you didn't witness the accident, you should go back to the scene and ask people around there if they did witness it. Also, if it was in a business parking lot or near one, you should go around to all the businesses down there and see if they have any video cameras that may have gotten it on tape.

Sal G

If you have uninsured motorist (UM) coverage you can file a claim under that particular coverage.
-If you don't have UM coverage then you can file the claim under collision coverage. In both cases you will have to pay your deductible. Most insurance companies will ask you to go to the police station and file a police report for the claim file.
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In short, yes if you have either UM or collision coverage.

Dazz

It depends on your pollicy. If you have comprehensive and collision, then probably yes. If you have liability only, then you are probably out of luck unless you can find the perpetrator.

TG Special

Yes, if you have that in your policy. Why are you asking us. Call your insurance company. Or is this just a theoretical question?

lukerplant@sbcglobal.net

It probrobally depends on the insurance plan that you have usually you can find out if your insurance covers it by calling your agent.

darkest queen

happened to me...if you managed to get the person who hit you...their insurance pays and your rates do not go up...if you didnt get him i believe your insurance will pay but your rates will go up

bostonianinmo

If you have collision coverage it will cover the damage. Your rates may be affected by the claim however.

If you have uninsured motorist coverage it will cover the damage without affecting your rates.

If you have both collision and uninsured motorist coverage, the uninsured motorist coverage will pay first up to its coverage limits and then your collision coverage will kick in to cover any remainder.

This is universal throughout the US. The only differences are the requirements to carry uninsured motorist coverage. It's mandatory in some states and optional in others. Some states require you to specifically decline the coverage. Given that it is very cheap in most states it is unwise to refuse it.

Livin' La Vida Gay

Depends on the isurance Co. Must check with agent. Mine paid potatoes!!!

stewiegriffin4president

You need two things:

- Full coverage auto insurance, meaning you must have liability coverage and comprehensive and collision. You will be subject to pay a deductible if you have one.

- A police report.

In most cases, if you have full coverage and can get a police report, then yes, you will be covered for the damages. Witnesses are good to have too, if available.

foothill4fun

depends on what kind of policy you have

cynthetiq

Yes. I had this happen to me in front of my house (!) and the insurance covered it. I still had to pay my then $500 deductible though... man I wish I could've caught that mudderhumper

First Lady

YOu may need to have a police report, too for the insurance to pay.

teressahall@sbcglobal.net

your insurance company will if you have full coverage you just have to pay the deductible

azlan m

no.i have been hited 3 times in 2 years

chillin

was it on private property. what type of coverage do yuo and them have. in most cases if you are on private property it wont matter what type of insurance you and they have good luck

macki4

YOU BETTER HAVE GOOD INS.

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