Hit while parked understanding insurance coverage for parked car accidents

Accidents and damage to the vehicle can leave you distressed and confused. While the government offers compensation to the victims of the accident or collision whether the car insurance offers coverage to the car or not is unclear while the car is parked. A hit-and-run situation is when the driver hits a vehicle and runs away from the accident scene with the fear of being caught.

A hit-and-run accident is a situation wherein the driver damages a car parked that is unattended by leaving without providing any contact details i.e. To be unnoticed action another scenario of hit-and-run is when the vehicle hits the car but the driver speeds away without stopping.

In both scenarios, the car has been hit and has been damaged with no mistake by the car owner. Seeing a big dent or damage to the car is heartbreaking because there is no mistake of the car owner and secondly the incident will lead to a financial loss. Therefore, in such a scenario, to avail the benefits of four-wheeler insurance coverage there are certain steps that you can take:

Understanding insurance coverage for parked car accidents

• In the event of the incident if you happen to be near the car and see the offender fleeing the best way is to catch hold of him or at least make an attempt to note down the vital details of the offender like the number of the vehicle, details of the vehicle like colour, make, model, etc.

• The next step can be that instead of chasing the vehicle use the information noted down by you for tracking the vehicle. The vehicle registration number shall give information about the offender.

• In case you are witnessing the damage caused to the vehicle get cautious and know whether there has been any other person witnessing the incident. In the event of your absence at the site of the incident see whether any witnesses witnessed the accident and are ready to testify against the offender

• Registering an FIR at the nearest police station. Reporting the damage at the earliest will help the police to investigate the matter on priority.

• Informing the insurer about the incident is one of the major steps involved in insurance coverage processing for parked car accidents. There is a time frame within which the insurer must be informed about the damages and adhere to the timelines for the smooth processing of the insurance claim

• Scan the area around the incident if you find any security cameras try to get hold of the footage this shall help in providing vital information about the offender. Also, it is important to click photographs of the scene of the incident and the vehicle as the insurance company will need it while processing the claim.

The conclusion

In conclusion, parked car accidents are painful especially when its not your fault. However, there are provisions for insurance coverage for parked cars mentioned in the policy document. The claim process for parked car incidents can take time as you need to provide a lot many evidences.

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