What To Do If Someone Hits Your Car While Parked – I have a brand new BMW X5 and am afraid to park it in a public car park. What should I do if someone breaks and scratches the door? Can I call the police at the scene? Can I claim insurance? Or am I caught up in the cost of repairs? What if he hits the trade pen? – Nancy, Burnaby, BC
If someone hits your car in a parking lot, don’t wait for the police to come.
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What To Do If Someone Hits Your Car While Parked
“It’s unlikely we’ll be involved,” said Cpl. Mike Halskow, British Columbia RCMP Transport Service. “We don’t do it because it doesn’t meet the threshold of harm.”
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BC In BC, police typically report an accident if someone is injured or killed, the driver is injured, there is a hit-and-run, or the total damage to both vehicles exceeds $10,000.
Opening the door of another car or accidentally driving a shopping cart — if the caller shares their name, contact information and driver’s license number — usually don’t fit into either of those categories, Halskow said.
If they refuse to submit an ID, it’s technically a hit. You can get their number and report it to the police, but the police may not come to the scene.
“You can call the police and say this person broke into your car and ran away,” says Halskow. “You will receive a file number that you can transfer to your insurance.”
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Do not stay at the scene of an accident. It carries three demerits and a $368 fine. But the police won’t charge anyone for something as small as suddenly scratching the door.
“If it was intentional and they slammed the door of your car or the shopping cart inside, they could be charged with a crime,” Halskow said.
“If there’s an altercation between people and someone’s safety is at risk, call us,” Halskow said. “We don’t want people to put themselves in a situation where they could be in harm’s way.”
Rules vary by province, but most in B.C. – You must report serious injury, fatal accidents or crimes such as impaired driving. But no matter what province it is in, the police will not come to the door.
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Several provinces, including Alberta, Ontario and Nova Scotia, require you to call the police and report the accident if the damage exceeds $2,000. Others do not specify a specific amount.
Can you get your insurance to pay the bell if your wallet is hit?
In BC, if someone’s door slams into your car and you have additional insurance, their liability insurance will pay for the loss, said Lindsay Wilkins, a spokeswoman for the Insurance Corporation of British Columbia (ICBC), the province’s government insurer.
Your rates won’t go up and you won’t pay a $300 to $2,500 deductible.
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“If the damages are paid less than the deductible, there is no claim,” Wilkins said.
If you don’t know who opened the door for you, it will be a hit and your insurance will cover it.
If you drop or roll the stroller onto your car, you have comprehensive coverage.
In Ontario, for example, if you know who did it and you have their insurance information, you don’t have to pay a deductible because the damage is covered by direct compensation insurance, said Ann Marie Thomas, spokeswoman for the Insurance Helpline. – comparison site.
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If you don’t know who did it, it’s considered a hit and is covered by collision insurance.
If you can tell your insurance company who owns your car, there’s “no real downside” to seeking compensation directly, Thomas said.
“If you’re innocent, there’s no negative impact,” Thomas said. “You don’t have to pay the deductible and they can’t raise your premium because it’s a no-fault claim.”
In addition to getting their information, take a photo of their license plate and any damage, he said.
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If someone comes to you, they can ask you to give them money without the insurance company getting involved, said Pete Karageorgos, director of consumer and industry relations at the Insurance Bureau of Canada (IBC).
Or, if it’s a small scratch that can be easily removed, he may decide to simply remove it.
“Every situation is different. What if the neighbor’s kid rides his bike into your car? said Karagergos. “Yes, you can back away from the neighborhood, but do you really want to, or do you have to live there?”
Editor’s note: An earlier version of this story incorrectly stated that comprehensive insurance is available in Ontario. Globe regrets the error.
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How You Should React When Someone Hits Your Parked Car
If someone hits your car, you should call the police and give the other person’s contact information and the details of the incident. You can then contact your insurance company or someone else’s insurance company, depending on the situation.
Read below for more information on what to do if someone hits your car, whether the car is stopped or you’re driving.
If someone has hit your car while driving, you should take the following steps to safely gather all the necessary information before leaving the scene of the accident.
After someone hits you, you need to move your car to a place where you are no longer in danger. This usually means pulling over to the side of the road. You should also turn on your hazard lights, activate your safety cones, and alert nearby drivers at the scene.
What To Do If Someone Hits Your Parked Car?
Check yourself and your passengers for injuries to see if you need to call an ambulance. If the other driver is at fault, you and your passengers must have liability insurance. Conversely, if you are responsible for an accident, your insurance will provide you and your passengers with protection against personal injury or medical bills.
Even if no one was injured in the accident, you should contact the police because they will fill out an accident report that you can use when filing an insurance claim. It is recommended that you note the names and badge numbers of all police officers at the scene and ask them how you can obtain a copy of the police report for your records.
You must exchange contact information with the other driver in order for insurance providers to contact you and begin an accident investigation. The information you request from the other driver includes:
If there are witnesses, their contact information should also be requested. Eyewitness accounts are an important part of your insurance claim because they help insurance companies determine who was at fault.
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Write down as much information as possible about the incident, including the date, time, location and, if applicable, the weather. You should take pictures or video of the visible damaged parts of your vehicle, as well as the area around the accident site. For example, photos of skid marks can be useful because they show that one of the drivers had to apply the brakes after speeding.
In addition, it is useful to make a list of items lost in an accident and hold the damaged items so that the insurer can check them later. After entering all the necessary information, you can contact your insurance carrier.
Your representation is the responsibility of your insurance company. Simply exchange insurance information with the other driver and notify the police officer and your operator when you remember the details of the accident.
If someone hits your parked car, still make sure no one is hurt and call the police, who should file an accident report, exchange contact information with the other driver, and take pictures.
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