What to Do When Vehicle Damage Occurs While Parked and the Third Party Cannot Be Found?
2 Answers
Solutions for vehicle damage while parked when the third party cannot be found are as follows: 1. Unable to locate the third party: When someone else causes damage to your vehicle, and they should be responsible for compensation, but the party cannot be found, you have to bear the loss yourself. 2. Compensation: If the third party cannot be found, the insurance company will cover 70%, and you will need to pay the remaining 30% yourself. Additional information: 1. Parked vehicle damage insurance: Also known as 'unidentified third-party liability insurance' or 'parked vehicle damage insurance,' it refers to incidents where the vehicle is damaged while parked, not while in motion. 2. Nature: It is a type of commercial insurance that covers personal injury or property damage caused to motor vehicles due to natural disasters or accidents. Auto insurance is a form of property insurance and is considered a relatively young category within the field of property insurance.
If your car gets damaged while parked and you can't find who did it, don't panic. First, check if you have insurance, especially collision coverage or 'unidentified third-party insurance'. If you do, report the claim to your insurance company immediately. Take photos as evidence, including the scene and the damaged parts of the car, then call the insurance company's customer service to describe the situation. They will usually ask for the parking location and time, and if there are surveillance cameras nearby, remember to retrieve and back up the footage. You may have to pay a deductible during the claims process, but it's still better than paying out of pocket. When parking, always choose a spot with surveillance cameras to significantly reduce this risk.
