2006-07-17 10:34:46 · 17 answers · asked by Jude 1 in Cars & Transportation ➔ Insurance & Registration
If you can't find out who hit your car (usually shopping center camera's are out of film, or they just don't give you the time of day) you can report this as an UNinsured claim on your insurance policy. You will need to fill an accident report with the local police. Since it happened in a parking lot (private property) they will probably give you a Traffic Collision Report. Fill it out to the best of your ability and take it to your insurance agent.
Filing an UNinsured claim on your insurance does NOT make your insurance go up in most states. Check to be sure, though. There is a deductible, however, it should only run you about $200 or so, much less than the average ($500) deductible.
Good Luck!
2006-07-17 11:08:04 · answer #1 · answered by Nysa 3 · 0⤊ 0⤋
i would contact the security and see if they can spot anything on the videos. You would be looking for a license plate # of course. Now if...
You get a License Plate #:
- File a Report
- Notify your insurance company with that info so they can proceed.
- if he has no insurance file a Uninsured Motorist Claim (if you are in a state that has UM Property Damage) and they will clear it up. Some states may have a deductible for this but should still be less than your Collision.
You can't get a Plate #:
- File a Report
- File a Collision claim and eat the loss.
Good Luck
2006-07-23 20:47:44 · answer #2 · answered by Carl Parker 2 · 0⤊ 0⤋
If you cannot find anything out about the person who hit your vehicle, you should file a claim under your uninsured motorist coverage (depending on what state you live in and whether or not you have that coverage on your policy.)
Filing the claim under your unisured motorist coverage would only cost you a small deductible and won't count against you. The insurance company would then try to go after whoever it was that hit your car.
I would call your insurance agent to find out if this applies to you.
2006-07-17 10:43:05 · answer #3 · answered by scarlet3egonias 2 · 0⤊ 0⤋
If you don't know who hit you the only thing you can do is file a police report but you'll still have to pay for the damages to your car or file with your insurance company. If you choose to file with your insurance company a hit-and-run will fall under uninsured motorist coverage and most policy holders have a $250 deductible for uninsured motorist coverage if you have full coverage.
2006-07-17 15:00:41 · answer #4 · answered by daango26 2 · 0⤊ 0⤋
do you have full coverage? is the damage worth making a claim. usually business's are not responsible but they may have a video tape of the parking lot and may have view of the accident ask them about it. most people shop the same stores often on the same day /night at the same time so if they do have a tape of it then at least you know what kind of vehicle to watch for. also did you call the police and make an accident report?, with out it you are pretty much screwed in my state.
2006-07-17 10:44:40 · answer #5 · answered by dizzie 3 · 0⤊ 0⤋
You can check the security recordings. But I doubt that they might show license plate as it might be too far away.
What you can do is find nice body shop and talk to the owners. They always have the ways to help out guys like you. Or find someone who have friend in body shop. Then you might pay only deductible or nothing at all. But you will need to report it to insurance. If you have full coverage, you should not worry about anything.
2006-07-17 10:40:54 · answer #6 · answered by Belarus94 3 · 0⤊ 0⤋
not much. how much damage did you sustain? your insurance will cover it if you have full coverage and the damage sustained was higher than your deductible, however your rates could go up. you might want to go to mall security and ask them to view their surveillance tapes. you'd be surprised how much of the mall is being videotaped. they might be able to see what happened and provide you with a copy and license plate number. then you file a police report call your insurance company they will fix the damage (sometimes without you paying the deductible) and go after the other drivers insurance( if you have to pay the deductible your insurance co will reimburse you after they receive their money from the other insurance co) good luck
2006-07-17 10:43:56 · answer #7 · answered by dawn 5 · 0⤊ 0⤋
You need to file a police report, and hopefully, your insurance will waive the deductible on your collisions since you were not at fault. This happened to me and I ended up fixing the damage myself. Insurance differs from state to state. I live in Michigan, where no-fault is king. Hope this helps.
2006-07-17 10:40:36 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Either pay for the repairs yourself you see if you are covered by your insurance policy. It may not be worth it to file a claim, though. The same thing happened to me and my car was old enough that the insurance company totaled it, wrote me a check and I had to buy a new car.
2006-07-17 10:39:34 · answer #9 · answered by Anonymous · 0⤊ 0⤋
I am in the claims business -- if you can't identify the other car you can pay out-of-pocket for repairs or file it under your collision. This is NOT a no-fault claim, this is NOT a comprehensive claim and it is NOT an uninsured motorist claim; it is a collision claim and I'm sure a deductible will apply.
Sorry, this is not what you wanted to hear, eh?
2006-07-17 16:57:03 · answer #10 · answered by Anonymous · 0⤊ 0⤋