car was hit when parked and he has no insurance.

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jun 28, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Mehlville, MO

Asked on 06/28/2010

car was hit when parked and he has no insurance. My car was hit at 40 mph whaen parked on the street. Now I am informed that the person that hit it has no insurance. It was also kids car was marked as a company car with a name and phone number of the company and they said that they are not responsible. what can I do?

Answer given on June 30, 2010

In most states, insurance follows the car, not the driver.  This would mean that the car that was being driven is the responsible vehicle for the damage.  Unless the driver was excluded from the policy, or there was a clause in the policy only covering listed drivers, then the insurance company for the car that struck you should cover the damages to your car.  If you carry collision insurance on your car you should call your insurance agent and ask your company to make repairs. They will then go after the other vehicle owner for damages.

If you do not have collision insurance, you need to pursue the damages with the other car.  If they are denying responsibility ask them to explain why.  If possible, speak with their insurance company or agent, do not talk to the company who owns the car.  If they refuse to give you their insurance information see if the local authorities can help you.  I presume a police report was filed & the police may have the information on the insurance for the other vehicle.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption