Am I covered if my vehicle is hit while parked?

Your auto insurance will help cover the damage to your vehicle. Subject to a deductible, your policy’s collision coverage will provide payment for the damages caused by the other vehicle. If we can find out who the at-fault driver is, we may be able to recover your deductible. In some states, we can cover your deductible with uninsured motorist coverage—even if the at-fault driver remains unknown.
September 28, 2023 | Auto
By: Lisa D.
Lisa D. has almost 20 years of experience in the insurance industry, including over 15 years at Acuity. Before starting at Acuity, she obtained her P&C license and sold personal insurance. She keeps a pulse on industry trends while continuing to specialize in developing and updating personal auto insurance products. On top of that, Lisa has her Association in General Insurance (AINS) and Associate in Personal Insurance (API) designations. Outside of work, Lisa enjoys cooking, photography, and spending time with her family. The last two go hand in hand, as she takes pictures of her kids every day.

Author of Auto Focus

Another vehicle bumps or sideswipes your car while it is parked. Despite the damage, the other driver leaves the scene without writing a note. Are you covered?
 

What type of insurance do I need to cover my car being hit while parked?

Your auto insurance will help cover the damage to your vehicle. Subject to a deductible, your policy’s collision coverage will provide payment for the damages caused by the other vehicle. If we can find out who the at-fault driver is, we may be able to recover your deductible. In some states, we can cover your deductible with uninsured motorist coverage—even if the at-fault driver remains unknown.

 

What special endorsements do I need to help ensure this is covered?

Collision coverage is not a state-required coverage, but having it on your auto policy is almost always a good idea to protect your vehicle from any type of collision, including a hit-and-run.

 

Uninsured motorist coverage can be purchased with customizable limits and is useful if your vehicle is struck by a driver who does not have an active auto insurance policy. Like previously mentioned, some states allow this coverage to be used to cover your deductible if we are unable to identify the at-fault party in a hit-and-run.

 

Rental coverage is also available to Acuity customers. This coverage will help pay for a rental vehicle if yours is unable to be driven after it is hit or if you need to drive while yours is in the repair shop. Rental coverage is subject to daily and maximum limits.

 

How do I check to make sure I have this coverage?

To make sure your vehicle has collision, uninsured motorist, and rental coverage, check the declarations page of your insurance policy or contact your independent agent today. Your agent can also discuss what limits, deductibles, and coverages make sense for you.

By: Lisa D.
Lisa D. has almost 20 years of experience in the insurance industry, including over 15 years at Acuity. Before starting at Acuity, she obtained her P&C license and sold personal insurance. She keeps a pulse on industry trends while continuing to specialize in developing and updating personal auto insurance products. On top of that, Lisa has her Association in General Insurance (AINS) and Associate in Personal Insurance (API) designations. Outside of work, Lisa enjoys cooking, photography, and spending time with her family. The last two go hand in hand, as she takes pictures of her kids every day.

Author of Auto Focus