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Q

Someone hit my car while it was parked and run without leaving any information. The car is insured in California and I do have an Uninsured Motorist Property Damage coverage. Is the insurance going to pay for the damage?


A

You will need to read through the terms of your policy and speak with your agent about if this hit and run damage to your parked car will be covered by your uninsured motorist property damage (UMPD) likely though it will not.

According to California Department of Insurance UMPD coverage pays for the property damage to your car when there is a collision with an identified uninsured driver. They reiterate what uninsured motorist property damage is for in their auto insurance consumer guide where it states that UMPD pays for the cost of repairs to your vehicle not covered by collision insurance, subject to a limit of $3,500. The guide again notes that CA UMPD coverage pays for the property damage to your car when there is a collision with an identified uninsured driver.

So unless your UMPD portion of your policy includes hit and run drivers, and thus unidentified drivers, you would need to to use collision coverage to make a claim for the damages done to your vehicle in the parking lot by an unknown motorist. Your agent should be able to discuss with you the terms of your policy and would know best the guidelines for UMPD claims that your insurance provider accepts.

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