My car was hit in a private parking lot. I don't know how hit me. What can I expect from my insurance.?

Answer 1

higher rates.

Answer 2

First, don't listen to anybody else. I read their answers. They don't have a clue what they're talking about. I own a body shop and I am also a licensed insurance appraiser. First, unless you catch the other guy and get a police report that specifically says he was at fault, it's your insurance that is going to pay. And they will only pay if you have "full coverage," which is liability (the damage you do to others), collision ( the damage done to your car by an impact with another object, whether you were parked or driving), and comprehensive (damage done by vandalism, impact with animals, and other damage not covered by the collision portion of your policy). It is the "collision" part of your policy, if you have it, that will pay for the damage, not your comprehensive, unless you can prove it was vandalism and not an impact from another car. Your collision deductible can be anywhere from $250 to $500, normally, but you have to ask your agent to be sure. And don't be afraid to ask your agent questions. They won't raise your rates just for asking questions. You actually have to turn a claim in, and only then if the cost to repair the vehicle is $1050 above your your deductible, or if you have already had an accident in the last three years and they paid that claim, will they raise your rates. Some companies even have first accident forgiveness. ASK YOUR AGENT. THAT'S WHAT HE'S THERE FOR!
Second, find a body shop you trust, and NOT THE DEALER! They are usually too expensive and they never cut anyone a break. Go to a small independent shop with a good reputation. Let them give you an estimate for the damage. If it is close to your deductible amount, or less, there's no sense turning it in to your insurance, since you have to pay the first $500 anyway. If it is a small amount, like $750 or less, ask him how inexpensively he can do it for CASH, since you don't want to turn in a claim. He may be willing to cut you a break on the price and still do a nice repair. If it is going to be up near the $1050 plus your deductible ($1300-1550) ask him if he can keep the price down low enough to keep it from going over the amount that will cause your insurance to go up. He might not be able to help you there, though. It's your insurance appraiser who will be instrumental in determining how much the job is going to cost. If your car is hit hard enough, there's no keeping the price down below that amount. Then your rates will go up. Ask your agent how much.

Answer 3

This depends on the type of insurance you have. If you have full coverage, you will still have to pay your deductible (normally ranges from $250-$1000).

But here are some alternatives depending on the damage:

1. If it is a dent and the paint isn't cracked (as in peeling off) then your best bet would be to have a Paintless Dent Repair company take a look at it to see if it falls into their realm of repair. A good company name would be Dent Wizard. Phone book will have these guys listed out under dents, body shop, detailing, bumper repair, etc. If you still can't find, any dealership can direct you towards them or other dent repair companies.

2. If it is say on the corner of your bumper or such. Then you might want to look up some Touch Up Paint experts. Same with the dent guys, you will find them in the same locations in the book and at dealerships.

These avenues are MUCH cheaper than any body shop or even insurance claim. It might just be scuff marks that can wax off and then a bit of touch up, $100 sure beats multiple that.

If you make a claim, your rates will most likely go up. So if this isn't major collision type damage, I'd try the routes I mentioned above to save money and all.

I do this for a living.....as I am a touch up paint guy.

Answer 4

If you have comprehensive coverage, your insurance should pay for the repair, less the amount of your deductible.

My recommendation would be to get an estimate before making a claim. If it is not much more than your deductible to get your car fixed, don't make a claim, as the resulting hike in your rates will offset the amount the insurance company pays for the repair.

Answer 5

Most likely there gonna require that you file a police report for hit, and run.. That way it shows your not at fault.. And if you have collision coverage on your policy the claim would be filed under that.. You would be subject to your ded.. Most likely you will have to fill out a self accident report, because most pd's don't respond to accidents on private property...But each state is a little different..

Answer 6

Hopefully, you filed a police report. Then check with your coverages for comprehensive coverage deductibles. They will subtract that from the estimate to repair the car. The good news is usually, comprehensive claims do not raise your rates.

Answer 7

i'm now no longer specific that utilising on the sidewalk is all that lots extra secure, incredibly finding on the circumstances. everywhere the sidewalk crosses a pass-highway the bicyclist ought to be much extra vulnerable to autos starting to be his path or pulling into the crosswalk, and so forth. optimum drivers are too busy watching for highway website travellers to pay interest of at as quickly as paced sidewalk website travellers as nicely. the closest I ever have been given right here to hitting a motorbike proprietor replaced into some dummy utilising on the sidewalk going the incorrect way.

Answer 8

If you have compressive coverage your in luck. The only kick in the head will be the deductible dollar amount. This type of compressive damage will not cause your insurance to change one dime now or in the future.

Answer 9

If you have collision coverage you should be ok. It should have been the other guy's company to pay for it but if it was a hit and run, you need to make sure you call them and see what they can do for you. I hope you have uninsured motorists coverage!

Answer 10

Depends on if you have full coverage or plpd and what is included in your coverage, you may have a deductable. You may check to see if you have to have an accident report.

Answer 11

Well...how much ($$$) is the damages? Is it worth filing a claim and paying the deductible?