Finding unexpected damage on your car when you weren’t even driving can be an unsettling experience. At DGIA LLC in Round Rock, TX, we help drivers understand their coverage so situations like this are less stressful. What happens next really comes down to the type of auto insurance you carry.
Comprehensive Coverage Can Step In
If someone hits your parked car and leaves a note, their liability insurance may cover the damages. The trickier situation is when they drive off without leaving any information. That’s where your own comprehensive coverage typically comes in. Comprehensive coverage is designed to handle damage to your vehicle that occurs outside of an active collision, including hit-and-run incidents, falling objects, and vandalism.
What If You Only Carry Liability?
This is where things can get frustrating. Liability coverage only pays for damage you cause to other people and their property. It does not cover damage to your own car. If you only carry liability and your parked car is hit without an identified responsible driver, repairs will likely come out of your own pocket.
Always Document Everything You Can
No matter what caused the damage, take photos right away, check for witnesses, and file a police report when possible. Good documentation gives your insurance company what it needs and gives you a much better chance of a smooth claims process.
Know Your Coverage Before You Need It
The best time to truly understand your policy is before something like this happens. The team at DGIA LLC in Round Rock, TX, is ready to help you review your auto insurance coverage and make sure you’re well protected.
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