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My Parked Car was Hit by a Stolen Car: What to Do and What Not to Do
I was devastated when I found out that my parked car had been hit by a stolen car. Not only was my car damaged, but I also had to deal with the hassle of insurance claims and police reports. If you’ve ever been in this situation, you know how frustrating and overwhelming it can be. That’s why I’m sharing my story and tips on what to do if your parked car is hit by a stolen car.
I was parked in a public lot when my car was hit. I was in the store for about 30 minutes, and when I came out, I found my car had been hit. The driver of the stolen car had fled the scene.
Dealing with an Accident Involving a Stolen Vehicle
Being involved in an accident with a stolen vehicle can be a stressful and confusing experience. Here are some steps you can take to protect yourself and your interests:
- Call the police. This is the first and most important step. The police will need to file a report and investigate the accident. They will also be able to provide you with a copy of the police report, which you will need for your insurance claim.
- Get the other driver’s information. If possible, get the name, address, phone number, and insurance information of the other driver. If the other driver has fled the scene, you should still try to get as much information as possible, such as the make, model, and license plate number of the stolen vehicle.
- Take photos of the damage. Take pictures of the damage to both vehicles, as well as any other damage to property. These photos will be helpful when you file your insurance claim.
- File an insurance claim. Contact your insurance company and file a claim as soon as possible. Your insurance company will be able to help you get your car repaired or replaced.
- Get a copy of the police report. Once the police have completed their investigation, you can request a copy of the police report. You will need this report for your insurance claim.
Insurance Coverage for Stolen Vehicles
If your parked car is hit by a stolen car, your insurance coverage will depend on the type of insurance you have and the circumstances of the accident. Here are some general guidelines:
- If you have collision coverage, your insurance will cover the damage to your car, regardless of who is at fault for the accident.
- If you only have liability coverage, your insurance will not cover the damage to your car. However, you may be able to file a claim with the other driver’s insurance company.
- If the other driver is uninsured or underinsured, you may be able to file a claim with your own insurance company under your uninsured/underinsured motorist coverage.
It is important to note that every insurance policy is different, so you should check with your insurance company to find out what coverage you have.
Tips for Preventing Stolen Car Accidents
There are a few things you can do to help prevent your parked car from being hit by a stolen car:
- Park in well-lit areas.
- Avoid parking in isolated areas.
- Lock your car doors and windows.
- Install a car alarm or immobilizer.
- Consider getting a steering wheel lock.
Conclusion
Being involved in an accident with a stolen car can be a frustrating and overwhelming experience. However, by following the tips above, you can help to protect yourself and your interests. If you have any questions about what to do if your parked car is hit by a stolen car, you should contact your insurance company or an attorney.
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FAQ
Q: What should I do if my parked car is hit by a stolen car?
A: The first thing you should do is call the police. The police will need to file a report and investigate the accident. They will also be able to provide you with a copy of the police report, which you will need for your insurance claim.
Q: What type of insurance coverage do I need to have if my parked car is hit by a stolen car?
A: If you have collision coverage, your insurance will cover the damage to your car, regardless of who is at fault for the accident. However, if you only have liability coverage, your insurance will not cover the damage to your car.
Q: What can I do to help prevent my parked car from being hit by a stolen car?
A: There are a few things you can do to help prevent your parked car from being hit by a stolen car, such as parking in well-lit areas, avoiding parking in isolated areas, locking your car doors and windows, and installing a car alarm or immobilizer.
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