What do you do if your parked car was struck? First, relax. This happens to almost everyone. Just follow these FIVE steps and everything will be good again.
1. LOOK FOR AN EYE-WITNESS
Check around the area for any potential witnesses. Collect their contact details in case police or insurance provider wants to contact them to facilitate an investigation. For example, if you parked in front of shops, ask the shopkeepers if they saw the event unfolding or details of the car that hit yours.
Regardless of the presence of the witnesses, you can obtain coverage of the accident from a nearby surveillance camera.
2. TAKE PHOTOS
Take photos of the damage caused to your car, such as any dent or scratches. Also, take pictures of where your car was parked before driving away. This will help when police or insurance provider carry out investigations.
3. LODGE A POLICE REPORT
Lodge a police report as you will need it and subsequently the investigation result to proceed with the insurance claim. Do take note that not all police stations manage traffic accident report. So, go to one that does to save time.
4. CALL YOUR INSURANCE PROVIDER
If you have a car insurance coverage, the insurance provider will guide you on the next steps. This will allow car owners to claim not only for a third party’s physical and vehicle’s damage repair costs, but also the damage done by the owner. Coverage these days also entitle to fire and theft incidents.
5. MAKE A NO-FAULT OWN DAMAGE CLAIM
Only a comprehensive car insurance will allow to make a No-Fault Own Damage Claim for damages to your vehicle in the event of an accident that is not your fault or if you were a victim of hit and run. You can claim without losing your No Claim Discount (NCD).
If you are a perpetrator, be a good Samaritan and leave your contact details on the victim’s windshield. Vice versa, do check if the responsible person had left a note with their contact number and discuss whether to settle it amicably or to claim insurance based on your discussion.
We at MUV believe in responsible drivers!
*Photos are courtesy of Google Image Search