What to Do If Your Parked Car Gets Hit?
2 Answers
If there are surveillance cameras in the parking area, you can choose to report to the police, review the footage, and then locate the responsible party for compensation. Report the incident to your insurance company. Note that insurance companies typically do not provide full coverage; they usually cover 70% of the costs, leaving the remaining portion to be paid out of pocket.
I've encountered the situation where my parked car got hit several times, which is quite annoying but needs to be handled properly. First, don't rush out of the car immediately—make sure you're not injured. If you feel unwell, call 120 for help right away. Then, go down to check the scene and take comprehensive photos with your phone as evidence: the damaged parts of your car, the license plate and overall condition of the other vehicle, and the surrounding environment like parking position and signs. If there are bystanders, politely ask them to be witnesses and get their contact numbers. Next, calmly talk to the at-fault driver without arguing, exchange driver's license and insurance card information, and note down their name and contact details. Immediately call 122 to report the accident, clearly stating the location and details, and wait for the police to arrive and write the report—this document is crucial for insurance claims. Finally, don't delay—contact your own insurance company to report the accident, describe the process, and submit the evidence. They can help arrange repairs or compensation; choose a reputable repair shop to get it done. Keep records throughout the entire process to avoid disputes later.
