Liability coverage helps pay for someone else’s expenses if you cause a car accident that injures them or damages their property. If your car is hit by another vehicle, the at-fault driver’s auto liability coverage typically helps pay for repairs.

Will insurance go up if someone hits your parked car?

Yes, your insurance will go up after someone hits your parked car if you file a claim with your collision insurance or uninsured motorist coverage. Even if you’re not at fault for an accident, most states allow insurance companies to raise your rate in order to recoup the cost of a claim.

What should I do if the other driver hits my Car?

If the other person is totally to blame, notify his or her insurance company. If the other driver hit your legally parked car, then the other driver’s insurance should pay for the damage. Your insurance will cover the damage in that instance if you have a collision policy, but you’ll likely have to pay your deductible.

What happens if someone hits your parked car?

If you were the driver that caused damage to a parked vehicle, your insurance will step in to cover the other car’s damages after you pay the deductible. If your car needs repairs as well, you’d need to have collision insurance for that to be covered. Will insurance rates go up after someone hits your parked car?

Do you have to notify your car insurance if someone hits your car?

However, even if you don’t want to make a claim, you must still inform your car insurance of any damage your car receives, no matter how minor! Some insurance policies are invalidated if you don’t notify your insurance of any damage. One Last Thing…

What should you do after a car accident?

One of the most important things to do after a crash is to exchange your info with the other drivers involved. Not only should you obtain the drivers’ names, addresses, and phone numbers, but their insurance information as well. Note, however, that the arriving officer may take care of this step for you.