Hit and Run while car was parked?

Question

My car was hit and the person ran. The car was parked outside my house. Would I clame this under my house insurance or under my auto insurance? Should I pay a deductible if its a claim under my auto insurance? I wasn't even near the car.

I live in california. I'm asking because I know someone that didn't pay the deductible (they too lived in CA), but the insurance is asking me to pay, so I think they may be trying to pull a fast one on me.

Answer 1

This is an auto claim. Homeowners policies never cover cars. Ever. Sorry.

You will have to pay the deductible, because it's a collision loss, and you're filing under your own policy. The only time you DON'T pay a deductible, is if you have a "waiver of deductible" endorsement on your policy, and I don't even know if that's available in CA, or if you get paid by someone else's insurance.

I'd strongly suspect your friend who didn't have to pay his deductible either didn't file under his policy, or misremembers.

Answer 2

Your homeowners policy would not apply to this.

You would file under your automobile policy.

The deductible applies per occurrence - regardless of fault. It does not matter if you were in the car, on the car or even on the same planet as the car.

When you took out your insurance policy, you agreed to pay the first (500 or what ever your deductible is) if the insurance company would pay for every thing after that.

As far as "someone you know" not paying a deductible - I don't know what their situation was so I can't tell you why the did not. In my state - glass only claims do not have a deductible. But those are the only ones where the deductible is waived.

And no.....insurance companies do not "pull a fast one". I get so tired of that cr@p. Insurance companies apply the policy and the law to the specific situation. Confusion happens when the general public does not take the time to read the policy or ask the adjuster questions. Then people start to assume we are "pulling a fast one".

An insurance company/adjuster wants to full fill their obligations under the policy.....so take the time to sit down and read the policy and see for yourself.

Answer 3

READ YOUR POLICY!!
If you are using your own auto policy then yes your deductible applies. It all depends on the company and the policy you have as to whether or not the deductible will be waived.

I don't understand why people do not think they have to pay their deductible. That is what you have insurance for. Wouldn't you rather pay only $500 than the WHOLE cost of the repairs?

Answer 4

"pull a fast one on you".. please.

Did you not read your policy when you got it? You pay your deductible for insurance claims REGARDLESS OF FAULT.

your friend must have some awesome insurance company or something b/c i have never heard of that in my life. Insurance companies are highly regulated.. they dont just "pull fast ones" and "trick people" for fun. Dude, pay your deductible.. geesh.

Answer 5

Well, it depends on where you live. Uninsured motorist coverage sometimes covers your vehicle damage- if the state has uninsured motorist property damage (some states only have um bodily injury coverage) AND if you meet the requirements the state sets to use it. Those requirements may include, but are not limited to filing a police report OR may only apply if the person who hit you CAN be identified but has no insurance. You have to check with your carrier to determine what can be done. However, if UM property damage applies, collision coverage always is used first.

Answer 6

YOU CAN CLAIM IT ON EITHER ONE BUT YOU WILL HAVE TO PAY THE DEDUCTIBLE, ITS JUST THE WAY THAT THE INSURANCE WORKS.

ALSO IF YOU WANT TO SPEND A COUPLE OF DOLLARS PUT AN AD IN THE NEWSPAPER THAT STATES "REWARD FOR INFO CONCERNING YOUR ACCIDENT", YOU WILL BE SURPRISED AT JUST HOW MANY PEOPLE WILL CALL WHEN THEY SEE THE WORD "REWARD".

Answer 7

you don't say which state you are in and that makes a difference but in order to get the correct answer just call your insurance company they will tell you how they are going to handle it.