How is a hit and run handled?
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UPDATED: May 2, 2017
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Insurance Question from Sanford, ME
Asked on 05/02/2017
How is a hit and run handled? My car was parked on the side of the road in front of my house and someone damaged the left rear quarter panel and door. My insurance company is calling it a not at fault accident under my collision insurance. I argued that my comprehensive should cover it under vandalism because I wasn't in an accident. My car was damaged but no one was in it and the engine was off. I don't want to pay the higher deductible or have an accident on my record when I wasn't even driving. Any help would be great. Thanks!
Answer given on May 02, 2017
In auto insurance any incident that involves a collision, even hit and run, is simply that, a collision, unless it involved a collision with an animal. So in your case this is considered a collision since your vehicle was struck by an unknown party and the collision deductible will apply. Since your car was parked, your insurance rates will not be affected. In addition you will not be shown as having a collision on your driving record. However, you probably do need to file a police report for the records. Ask the adjuster if they want a police report made. The police report may help the police find the other party, since you probably have paint transfer from the other car. If the other driver is found, and your insurance company can get repayment for the damages to your car, your deductible may be refunded.
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