How much could YOU save?
Request free quotes; find out now.
  • Someone may have
    just saved up to
    $910/yr
    on car insurance.
    Actual quote delivered: 5 hours ago
    Quote Range: $1,340-$2,250/yr
    Age: 25 Sex: Female
    State: California Tickets: 0
    Number of Quotes: 5
    Vehicle: 2008 NISSAN ALTIMA 2.5 S
  • Someone may have
    just saved up to
    $1,390/yr
    on car insurance.
    Actual quote delivered: 5 hours ago
    Quote Range: $2,880-$4,270/yr
    Age: 20 Sex: Female
    State: Texas Tickets: 0
    Number of Quotes: 5
    Vehicle: 2007 CHEVROLET COBALT LS
  • Someone may have
    just saved up to
    $1,408/yr
    on car insurance.
    Actual quote delivered: 5 hours ago
    Quote Range: $2,594-$4,002/yr
    Age: 26 Sex: Female
    State: Connecticut Tickets: 1
    Number of Quotes: 3
    Vehicle: 2005 TOYOTA COROLLA CE/LE/S
  • Someone may have
    just saved up to
    $1,456/yr
    on car insurance.
    Actual quote delivered: 6 hours ago
    Quote Range: $1,068-$2,524/yr
    Age: 20 Sex: Female
    State: Virginia Tickets: 2
    Number of Quotes: 2
    Vehicle: 2004 VOLKSWAGEN JETTA GL
  • Someone may have
    just saved up to
    $1,016/yr
    on car insurance.
    Actual quote delivered: 8 hours ago
    Quote Range: $968-$1,984/yr
    Age: 51 Sex: Male
    State: California Tickets: 1
    Number of Quotes: 5
    Vehicle: 2004 TOYOTA COROLLA CE/LE
We Scour. You Save.
We search the web to find the very best deals and money-saving tips. Then, we send them right to you.
Get insurance now:
Car Insurance Resources:
Get Free Quotes Now
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

What if my car is hit while parked and I don't know who did it and I file a claim will this result in a surcharge to me?

If your vehicle was hit while it was parked and the responsible party did not leave their information for you to place a claim with their insurer then yes, you should be able to make a claim through your own collision coverage.

Whether the claim for the damage your car sustained from the hit and run accident will cause a surcharge or your rates to rise in any way would depend upon your state's insurance laws as well as your insurance company's rating system. Some states do not allow a surcharge or premiums to rise due to a claim such as this however other states do allow insurer to raise rates. If your state is the latter then it would up to the individual insurance companies and their rating systems to determine if your rates would rise.

For example New York's Insurance Department states that surcharges are specifically not permitted for a variety of reasons including if:

  • your vehicle was struck in the rear, without a moving violation conviction against you;
  • your vehicle was struck while it was legally parked

Free Auto Insurance Quotes





[Let CarInsurance.com help you find affordable auto insurance now.]

And in Massachusetts you can receive surcharge points if you are more than 50% at-fault for a motor vehicle accident that results in damage to property or bodily injury of more than $500. Insurers are required to determine if a driver is more than 50% at fault for an accident by applying the Standards of Fault (211 C.M.R. 74.00).

So in these two states you would not get surcharged for making a claim for your parked vehicle being hit by an unknown person however other states may allow an insurer to raise your rates either due to this claim or if you have a history of claims this latest one may affect your rates. To find out about your insurance company and their rating system contact your provider for details.

Share this article with:

Related Questions
Car Insurance Related Can rust and previous damage be deducted from ACV settlement amount?
Car Insurance Related Does comprehensive cover stolen tools?
Car Insurance Related Can I be paid lost wages without being injured?
Car Insurance Related Is rekeying my car covered if keys are stolen?
Car Insurance Related Is my parked car covered if I have limited tort?
Rate, add comments, or add help about your situation and this question.
Help us improve the largest car insurance website!

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way. You can add any helpful insurance comments to this page:
Visitor Comments
Not quite clear for my state (MI)
Comment added: 01:39 PM Jan-23
Question Details
This car insurance answer was last updated 2:45 PM Feb-14.
This Insurance Claims question was asked 12:38 PM February-11-2008.
Dave requested this car insurance help from CarInsurance.com experts.
Rated 5.67 out of 10 based on 3 votes.
Insurance Claims Category
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.
©2012 QuinStreet Insurance Agency, Inc. - Online Insurance Marketplace™
CarInsurance.com Feedback Survey