MY VEHICLE WAS HIT WHILE PARKED I HAVE THE INFO OF THE DRIVER, DO I HAVE TO WAIT FOR HIM TO PAY HIS DEDUCTIBLE FOR MY VEHICLE TO BE REPAIRED OR DOES HIS INSURANCE COMPANY JUST INCREASE HIS RATES?

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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: Dec 18, 2017

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Insurance Question from Toledo, OH

Asked on 12/18/2017

MY VEHICLE WAS HIT WHILE PARKED I HAVE THE INFO OF THE DRIVER, DO I HAVE TO WAIT FOR HIM TO PAY HIS DEDUCTIBLE FOR MY VEHICLE TO BE REPAIRED OR DOES HIS INSURANCE COMPANY JUST INCREASE HIS RATES? MY VEHICLE WAS HIT WHILE PARKED I HAVE THE INFO OF THE DRIVER, DO I HAVE TO WAIT FOR HIM TO PAY HIS DEDUCTIBLE FOR MY VEHICLE TO BE REPAIRED OR DOES HIS INSURANCE COMPANY JUST INCREASE HIS RATES?

Answer given on December 26, 2017

If your car was struck while parked, you should contact the insurance company for the driver. They will investigate and determine if a payment is due.  The other driver would not have a deductible for damages to your car, and it is not a part of your concern if his rates are increased.  

If you have already spoken to the other insurance company, follow up with them if they have not responded. Sometimes they need a statement from their driver before they will proceed with the claim, but they do need to take action within a reasonable period of time. 

You can also file a claim with your insurance company, if you have collision insurance.  Your insurance company will pay for the repairs, less your deductible and go after the other insurance company or driver.  If your company is able to get reimbursement for the damages, then you will get your deductible back from your company.


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