Q: I live in an urban area and park on the street every day. If someone hit my car, I probably wouldn’t even know what happened. What can I do to protect myself?
Many of our customers have wondered the same thing. Let’s get some insight from Nick Chupp, a Farmers Insurance® agent in Toledo, Ohio.
A: Just about everyone experiences this at one time or another. You return to your car after it’s been parked for a while and find a scrape down the side — or a dent in the door that wasn’t there before. It’s obvious that someone has hit your car. If you’re lucky, the person responsible left a note. Or maybe there are security cameras or witnesses who can tell you what happened.
If you can’t find the person who did it, your own collision coverage should cover the damage. A deductible would apply, however. Also, remember that collision coverage is optional — if you chose not to purchase it, you’d have to pay for repairs out of pocket. Uninsured motorist property damage coverage also could pay for damage caused by hit-and-run drivers in states where this coverage is available.
Sometimes insurers are able to locate the responsible party and recover some or all of the repair costs. In a best-case scenario like this, the insurance company may refund your collision deductible in whole or in part depending on your policy provisions.
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