If you come out of a restaurant or store to a dented or scuffed car, it can be a highly unpleasant feeling. There is a certain amount of safety for your car that is generally expected when one parks in public spaces. You may be wondering- did you park in an incorrect manner, or did the person not see the damage to your car? Did the culprit just drive away without a backwards glance? In any case, somebody still needs to pay for the damages. Read on to learn more about how to tell if it will be you or an auto insurance company that covers the damages if somebody hits your car in a parking lot. Trueway Insurance is a top provider of commercial auto insurance in Lake Worth. Call Trueway Insurance now for your insurance consultation!
What To Do
So what should you do in the situation that the other driver is still in the parking lot when you get back? Sometimes, people are responsible and wait for you to come back out to your car. If you are in this situation, try your best to calm down. The other driver is most likely embarrassed and as annoyed as you are. They probably didn’t have any idea that they were so close to hitting your vehicle. At least give them some credit that they stayed around to fess up! This is probably one of the best scenarios you could ask for. First, make sure to take down their first and last name, best contact number, license plate number, insurance company’s name and number, and auto insurance policy number. Next, immediately take some pictures of the damages, as in some states it may be mandated that police must come if the damages look to be over a certain amount to repair. Trueway Insurance, a top provider of commercial auto insurance, notes to be careful about taking cash or early settlements from the driver rather than going through insurance, as you don’t want to be stuck with a fixed amount of money if a repair shop says the damages are more severe than you initially thought.
Does Your Auto Insurance Cover It?
If the other driver isn’t there when you get back, then you should look for a note with the information that we just discussed above. If there isn’t a note, you may have to call the cops on a hit-and-run case. While the police are on the way, snap some photos of the damages and write down the most accurate account you can remember of when you left your car in the parking lot and then came back out to find the damages incurred. Make sure to take note of the placement of the car and the conditions of the parking lot. There are a few options when it comes to who is paying for the damage. If you have the other driver’s insurance information, then you may be able to file a claim through their carrier if they hit your car in a parking lot. Going through the other driver’s insurance may take longer than expected, so you can also file a claim through your car insurance to speed up the process. If the other driver isn’t insured, or if it was a hit-and-run, you can use uninsured/underinsured motorist coverage to take care of your vehicle.
Contact Us Today
There are different options to which auto insurance will cover damages incurred in a parking lot. Trueway Insurance is a top provider of commercial auto insurance in Lake Worth. Call Trueway Insurance today for your auto insurance needs!