My Car was hit while parked will My Insurance go up

Let's Know About Insurance While Car Hit While Parking

If your parked car is hit by another vehicle and the responsible party has been identified and their insurance will cover the damage, your insurance rates will generally not increase as a result of the accident. This is because the incident was not your fault and your insurance does not have to cover the loss.

In this case the following usually happens:

1. File a Claim: 

You should report the accident to your own insurance company to make sure they are aware of the situation, even if you were not at fault. This is usually done through a “no-fault” claim.

2. Identification of Responsible Party:

Once the responsible party is identified, their insurance should cover the damage to your vehicle. If they don't have insurance, your uninsured auto insurance may come into play.

3. No Fault on Your Record: 

Since the accident was not your fault, this should not result in an increase in your insurance rates.

4. Claims History: 

Some insurance companies may take your claims history into account when setting your premiums, but non-fault accidents, such as parking accidents, generally will not count against you in the same way as non-fault accidents .
It is important to communicate with your insurance company, provide all necessary information, and understand how the claims process works on your specific policy. It is also recommended to document the incident with photographs and, if possible, obtain the contact information of any witnesses. This can help streamline the claims process and ensure you are not responsible for an accident that was not your fault.