What to Do When Someone Hits Your Parked Car?

Accidents involving parked cars can be a source of stress and confusion, especially in hit-and-run situations. In Massachusetts, hitting a parked car without stopping and providing your information is against the law and is considered a hit-and-run. Here’s a comprehensive guide on what to do if you accidentally hit a parked car, if someone damages your parked car, and how to handle hit-and-run incidents.

Accidentally Hit a Parked Car? Here’s What to Do:

1. Stay Calm: Accidents happen, and hitting a parked car is not a cause for panic.
2. Stop and Assess: Your legal responsibility in Massachusetts is to pull over, check for property damage, and leave your information if you’ve damaged another car.
3. Document the Scene: Move your car to a safe location, examine the damages, and take photographs for your records.
4. Locate the Owner: Make a reasonable effort to find the owner. If found, exchange information and provide your insurance details.
5. Leave a Note: If the owner is absent, leave a note on the windshield with your name, address, vehicle registration number, and a brief accident description.
6. Report to Authorities: If the property damage exceeds $1,000, report the accident to the Department of Motor Vehicles within five days.
7. Contact Your Insurance: Call your insurance company to report the accident and file a claim promptly.

Remember, leaving the scene without taking appropriate action could result in hit-and-run charges.

What To Do If Someone Damages Your Parked Car?

1. Contact Your Insurance: Immediately inform your insurance agent about the incident and provide the details given to you.
2. Gather Evidence: Find your parked car and record any available evidence, including photographs of damages and names of eyewitnesses.
3. Call the Police: If there’s no note and your car is damaged, contact the police to investigate the hit-and-run.
4. Cooperate with Authorities: Provide information to the police, such as a vehicle and driver description, if witnessed.

Dealing with Hit-and-Run Incidents:

• File a Police Report: Contact the police to file a report. Cooperation may be necessary for a criminal case against the at-fault driver.
• Consider Legal Assistance: Consult a car accident lawyer for help in filing a claim against a hit-and-run driver. A successful case could aid in a separate civil case for damages.

Parking Lot Incidents: Are You Covered?

• If someone hits your car in a parking lot, their insurance should cover damages if they are at fault.
• If the responsible party is unknown or lacks insurance, your collision or uninsured motorist property damage (UMPD) coverage may help.

Street Parking Concerns

• If someone on the street hits your parked car and you can prove fault, their insurance should cover damages.
• If you can’t identify the responsible party, having collision or UMPD coverage can assist in covering repair costs.

What Are the Immediate Steps If Your Parked Car Is Hit?

1. Stay at the Scene: Treat the incident like an accident, and don’t leave.
2. Exchange Information: If possible, obtain information from the person who hit your car.
3. Document the Scene: Take photos, file a police report, and contact your insurer to file a claim if necessary.

Dealing with a Hit-and-Run:

• If someone hits your parked car and leaves, it’s a hit-and-run. Report it to the police, who may help identify the responsible party.
• Check your insurance policy for coverage against hit-and-runs, often requiring collision or UMPD coverage.

Insurance Considerations

• Filing a claim with your insurance may result in a rate increase, depending on your policy and state regulations.
• If someone else hits your parked car, their insurance generally covers the damages, avoiding a potential rate increase for you.
• If you hit a parked car, follow legal procedures: don’t leave, exchange information, leave a note if necessary, and notify your insurance company promptly.

Conclusion:

The aftermath of an incident involving a parked car, whether you’re the one at fault or the victim, demands a clear understanding of both legal obligations and insurance procedures. Massachusetts law is stringent on hit-and-run offenses, emphasizing the importance of taking immediate and responsible actions like stopping to assess damage, documenting the scene, and reporting the incident to both authorities and your insurance provider.

Equally, if your parked car becomes the target of an accident or hit-and-run, knowing how to efficiently gather evidence, such as utilizing maps apps to pinpoint your car’s location or leveraging Google Maps to show the parked location at the time of the incident, becomes invaluable. These technological aids can not only assist in filing a comprehensive police report but also in strengthening your insurance claim.

Furthermore, in cases where the hit-and-run driver remains unidentified or uninsured, understanding your coverage options, like collision or UMPD, is crucial for ensuring you’re not left covering repair costs out-of-pocket. The complexities of insurance claims and potential legal battles that arise from these unfortunate events highlight the importance of professional guidance.

At Earley Law Group Injury Lawyers, we understand the stress and confusion that comes with accidents involving parked cars. Our experienced team is ready to guide you through the legal maze, ensuring you receive the compensation you deserve. Whether it’s navigating insurance claims, representing you in civil cases against at-fault drivers, or simply offering legal advice tailored to your specific situation, we’re here to help.

Don’t let the aftermath of a parking lot incident or a hit-and-run overwhelm you. For expert legal assistance and to ensure your rights are fully protected, contact us at Earley Law Group Injury Lawyers. Let us take the burden off your shoulders, providing you with the peace of mind to move forward from this incident. Call us today, and let’s discuss how we can support you through this challenging time.