Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

One of your biggest goals when you get your license is to avoid getting into an accident.

Not only does getting into an accident put your safety at risk, it can also affect your standing with the DMV and with your insurance company.

While your skill behind the wheel can certainly steer you clear of potential accidents, you can’t always avoid being hit.

If you’re hit while driving on a public road, or you notice that your car has been sideswiped in a parking lot, you have every reason to be mad.

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What happens if your car is hit in a parking lot?


If you walk out to your to find it dented and damaged by another vehicle while you were in your home or the store, there’s a slim chance that you’ll be able to file a third-party claim. .

Your adjuster will contact the driver, ask for their insurance information, and negotiate with their insurance company so that a payment can be made.

If you can’t locate the hit and run driver, you’ll have to make a first-party claim against your policy to get repairs done.

Your insurer may do some investigating on their end to ensure it’s not a fraudulent claim.

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What coverage options do you need to file a repair claim after a hit-and-run?

Hit and run claims are the most frustrating. You’re upset that it happened to you and that you’re going to be left footing the bill because of someone else’s irresponsible actions.

Here are the coverage options that can help:

  • Collision  will pay for your vehicle repairs and for replacement after you’re hit by a driver who doesn’t have insurance or who hasn’t been identified
  • Uninsured Motorist Property Damage  UMPD helps you pay for vehicle repairs after a hit and run incident or when you’re in an accident with an uninsured driver when you don’t carry collision
  • GAP  Guaranteed Auto Protection will pay the difference between your standard insurance settlement and the balance of your loan when you owe more on your loan than the car is worth

If you don’t have the appropriate coverage on your own, you could be left paying for all of the repairs by your lonesome.

What is the difference between a collision claim and a UMPD claim?

Even when it’s not your fault, you will have to pay a deductible when you file a collision claim.

You won’t receive the deductible back unless the driver is identified and the insurer can collect from them. UMPD is an optional coverage that you don’t have to carry just to carry collision.

If you have this optional form of protection it’ll be beneficial to you because the coverage is specifically designed to help you pay your deductible if it’s high.

If you don’t carry collision and you’re hit, your UMPD will pay up to $3500 with no deductible to pay for repairs.

How is the accident covered if the other driver has insurance?

If you’re hit and you and the drive have exchanged insurance information, filing your claim can be easy.

If the other driver admits fault, then you have peace of mind in knowing the claim will be settled quickly.

You can file a third-party claim to collect under the driver’s Property Damage Liability coverage and there’s no deductible.

Most collision claims are classified as at-fault accidents, but not ones that are being filed because you were hit by an uninsured or hit-and-run driver.

When you can prove it was a hit and run with police reports or other evidence, you don’t have to worry about your rates being surcharged for an at-fault claim.

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Do non-fault claims ever affect your insurance rates?

Even though an insurance company can’t surcharge you for three years like they can after an at-fault accident, no-fault claims can still affect you.

If you have three or more non-fault losses within three years, you could be placed into a lower rating class that carries higher rates.

If you’re not happy with the rates that you’re being charged, you can get instant quotes online from all of the carriers in your state in minutes by using a quoting tool.

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