Did you have any way of identifying who hit you (witnesses, cameras, notes, etc.)?
YES: Typically, the other driver would be at fault!
Contact their company to file your claim, and they should pay for your repairs. If they don’t have insurance, and you can’t get them to pay out of pocket, you can instead file a claim with your insurance company.
If the other driver is not around, head back into the store to see if they will allow you to check the security camera footage. Also, be sure to take ALWAYS take pictures.
Do you have Auto Insurance?
NO I DO NOT: Sorry, but you’ll have to pay out-of-pocket for this one.
You can get an auto insurance quote with us today and get coverage.
Remember if you live in the state of Nevada and if you have a registered vehicle and are driving on roads you need to carry minimum auto insurance.
Do not forget that you will not be covered for that incident in the past but you will be covered for future upon starting the policy.
YES I DO! Case closed: You’re likely covered.
As long as you have collision, you’re covered. Most drivers that have collision will be covered. If you don’t have collision, uninsured motorist property damage can also cover this accident. But this coverage is not offered in every state, and in some states, it won’t apply if the driver is unidentified.
Next up: File a claim with your insurer. Keep in mind, you may have to pay your deductible.
A deductible is the amount you pay if you have an accident or claim. For example: If you have a $500 deductible and $1,000 in damage—you pay $500, and your insurer will pay the rest.
There are a lot of rules in the insurance world! We want to break it down a little so you can understand it better. Being in an accident is scary but having a parked car accident comes with a lot of doubt because you are unsure of what comes next!