First, call the police in the town where the incident happened. Detail the time, place and location of the accident. If there is no police report and there is a payment made through insurance, the incident will be logged as the fault of the driver, and that driver can be surcharged.
Next call your insurance agent, Jason Shroot at 714-988-3325. Even though the collision is not your fault, you may still need to rely on your auto policy for the repair of your vehicle. The only way your policy will respond is if it includes the collision coverage. If you have no collision coverage, you will need to pay for the repair to your vehicle out of your own pocket. Unfortunately even if there is collision coverage on the policy, you are still responsible for the deductible since the company has no responsible party to claim this against.
As most vehicle hits and runs happen in parking lots, it is a difficult situation to prevent. Parking under lights and action by alert by-standers will help reduce the possibility. If you observe a hit and run, record the license plate of the car doing the damage and offer to serve as a witness; this will help minimize the consequences to the party whose vehicle was damaged.
There is not a week that goes by when a consumer realizes they assumed they had the proper coverages to protect their auto and they come to the conclusion that they are underinsured for the coverages to meet their needs. For More Information on Your Auto Policy Coverages Please Call Jason Shroot.
(714) 988-3325
