If my truck was damaged by an unknown vehicle in a parking lot do I pay all deducible or covered by no fault

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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...

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UPDATED: May 1, 2017

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Insurance Question from Conyers, GA

Asked on 05/01/2017

If my truck was damaged by an unknown vehicle in a parking lot do I pay all deducible or covered by no fault I was scraped on one side in some paring lot

Answer given on May 01, 2017

If your vehicle was struck by an unknown party while in a parking lot unfortunately, even if you have no fault or uninsured driver coverage on your vehicle, you still need to pay the deductible on your policy for collision coverage.  Uninsured driver coverage only applies to drivers who are indentifiable.  A hit and run does not qualify for this insurance coverage. No fault usually needs to have the other party as indentifiable and in any case the deductible will apply to the damages to your vehicle.  Depending upon the insurance company involved, your rates should not be affected if you file a claim.  However, some insurance companies do increase your rates even if the claim was not at fault.You should check with your agent or insurance company to confirm if there will be a surcharge for filing the claim.  You may also need to file a police report if your insurance company wants you to do that.


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