Understanding Does Car Insurance Cover Damage While Parked
Parking lot accidents and damage to parked vehicles are common concerns for drivers in the U.S. Whether your car was hit while parked or vandalized, knowing how your car insurance policy responds is crucial. The type of coverage that applies will depend on how the damage occurred. Let’s break down when and how insurance covers a parked car.
What Kind of Insurance Covers a Parked Car?
If your parked car is damaged, different types of insurance coverage may apply based on the situation. Here are the key coverage types that can help:
| Coverage Type | How It Works |
|---|---|
| Comprehensive Coverage | Protects against non-collision incidents such as vandalism, theft, fire, falling objects, and natural disasters. |
| Collision Coverage | Covers damage when your parked car is hit by another vehicle, especially in hit-and-run cases. |
| Property Damage Liability | Pays for damages if you hit someone else’s parked car. |
| Uninsured Motorist Property Damage (UMPD) | Applies if your parked car is hit by an uninsured driver or in a hit-and-run, depending on state laws. |
Does Auto Insurance Cover Parking Lot Accidents?
Parking lot accidents happen frequently, and different coverage options may apply:
- If another driver hits your parked car and stays: Their property damage liability coverage should cover your repairs.
- If another driver hits your parked car and leaves: You may need collision coverage or UMPD if available in your state.
- If your car is damaged by a shopping cart, falling tree, or hailstorm: Comprehensive coverage can help with repairs.
What To Do If Someone Hits Your Parked Car
Follow these steps if your parked car is hit:
- Check for damage and injuries. Assess your vehicle and ensure personal safety.
- Look for the other driver. If they left a note, collect their details.
- Gather evidence. Take photos of the damage, note the location, and check for security cameras or witnesses.
- Call the police. Get a report, especially if it was a hit-and-run.
- File an insurance claim. Contact your insurer and provide all necessary details.
Common Parked Car Insurance Scenarios
Someone Hit My Parked Car While I Was in It
If you were inside the car during the accident:
- Assess for injuries and seek medical attention if needed.
- File a claim with the at-fault driver’s liability insurance.
- Your PIP (Personal Injury Protection) or medical payments coverage may also cover medical expenses.
Someone Hit My Parked Car and Left a Note
If the driver left their contact details:
- Contact them to verify their insurance.
- File a claim under their property damage liability insurance.
- If they lack sufficient coverage, you may need UMPD or collision coverage.
Parked Car Hit-and-Run
If the at-fault driver fled:
- Look for surveillance footage or witnesses.
- Report the incident to the police.
- File a claim under collision coverage or UMPD (if applicable in your state).
My Parked Car Was Vandalized or Stolen
If your parked car was broken into, vandalized, or stolen, comprehensive coverage will typically pay for repairs or replacements, minus the deductible.
Frequently Asked Questions
Will My Insurance Cover Me Hitting a Parked Car?
Yes, if you hit a parked car, your property damage liability insurance will cover damages to the other vehicle up to your policy limits. If your car is also damaged, your collision coverage can help repair it.
Do I Need Insurance for a Permanently Parked Car?
Even if your car is not in use, most states require insurance for registered vehicles. If you store your car for an extended period, you may switch to comprehensive-only coverage to protect it from theft, fire, and weather damage.
Will My Insurance Rates Increase If Someone Hits My Parked Car?
Filing a claim may impact your rates. If another driver is at fault and their insurance pays, your rates may not be affected. However, if you use your own coverage (e.g., collision insurance), your premium could increase.
Final Thoughts
Having the right parked car insurance ensures financial protection against unforeseen damages. Whether it’s do insurance companies cover parking lot accidents, park insurance, or auto insurance for long-term parking, the right policy can save you from unexpected costs. Always review your coverage options and ensure you have the necessary protection for your vehicle.
Want to know more about other insurances, Read our latest articles.
