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Question

Someone hit my car while it was parked. Should I file a claim?

Someone hit my car while I was parked in a residential street and I discovered this when I went to get into my car. My car is paid for and I have full coverage. If I file a claim, will I have to get damages fixed or can I get my insurance to give me a check directly? And will my rates go up?

Agent Answer

Kristine Lee

It depends on what part of your coverage is used to compensate for the damage. See this guide on when you should file a car insurance claim. If you file a claim, it will likely be considered an at-fault accident because there is no other party involved. If you have a police report and uninsured motorist coverage, they may list it as a not-at-fault accident. Either way, filing a claim will impact your rates for 3-5 years — even if you’re not-at-fault — and your deductible will need to be met before your insurance company will help cover the damage. Typically, the insurance company pays for the repairs directly to the company and you would not get a check. I suggest you get an estimate for the damage, call your insurance company about your coverage options, and decide if it will be worth filing a claim for.

If you have any other questions, don’t hesitate to ask.

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