If you hit a parked car, you are legally and ethically obligated to stop and attempt to locate the owner. Failing to do so can result in a hit-and-run charge, which carries severe penalties including fines, license suspension, and even jail time. The immediate steps are straightforward: stop your car safely, leave a detailed note with your contact and insurance information, and document the scene thoroughly with photos and videos.
The most critical action is leaving a note. It should be placed securely under the windshield wiper and include your full name, phone number, and a brief, honest explanation of what happened. You should also note the time and date. Taking photos is equally important for insurance purposes. Capture the damage to both vehicles, the license plates, and the overall location, including any street signs or landmarks. This visual evidence can prevent disputes about the extent of damage or the circumstances of the incident.
After securing the scene, you should promptly contact your insurance company to report the accident. This is when the information you documented becomes crucial. Be prepared to provide the other car’s license plate number, the location, and the photos you took. Even for minor dings, filing a claim is often wise. Repairs can be deceptively expensive, and your collision coverage (if you have it) will typically handle the damage to your own car, while property damage liability coverage pays for the other vehicle's repairs.
| Action | Key Details | Why It Matters |
|---|
| Stop & Secure Scene | Pull over safely, turn on hazard lights. | Prevents further danger and establishes you acted responsibly. |
| Leave a Note | Include name, phone number, insurance info, brief explanation. | Legally required; avoids a hit-and-run charge. |
| Document the Scene | Take photos/videos of damage, license plates, street signs. | Provides objective evidence for insurance and legal protection. |
| Contact Your Insurance | Report the incident as soon as possible. | Initiates the claims process and fulfills your policy requirements. |
| Check for Witnesses | Ask bystanders if they saw anything; get contact info. | Independent verification can support your account of events. |
The entire process is about taking responsibility. While it’s a stressful situation, handling it correctly protects you from far more serious legal and financial consequences down the road.
