There’s nothing worse than approaching your car in a parking lot and noticing damage that wasn’t there before. Hit and Runs, unfortunately, happen too frequently. Typically, these kinds of accidents occur in parking lots and the damage is minor. What isn’t minor is the inconvenience to you when your car is hit.
The first thing you should do is look around. Is there anyone who may have witnessed the collision? Someone may have some information for you. Note the time of day and where you parked. Take photos of your car and the area, clearly showing the extent of the damage.
Once that’s done visit a Collision Reporting Centre. Don’t know where the nearest one is to where you had the accident in Ontario? Visit here to find its location. The more information you have to report to the police the better. Your information may lead to identifying the other driver. Once reported you will receive a collision report number.
If you are going to make an insurance claim insurance companies require a police report and that collision report number. Please remember it's important to report the accident in the jurisdiction in which the accident happened. If you suffer a hit and run out of province, in Quebec or New York State, you need to report the accident there.
How Damaged is Your Car, really?
Sometimes, what looks like superficial damage, could lead to more severe repairs than at first glance. Getting your car to a trusted mechanic for an assessment is paramount. Most insurance companies have preferred repair shops. This means they will guarantee the work of the repair shop. You can call your broker to ask for what preferred repair shops your insurance company has in the area. You can also take your car to your own mechanic.
Understanding the extent of the damage, and the cost to repair it, might affect how you will proceed. Minor scratches are one thing, but damage to front tire areas could lead to more expensive repairs.
Related Read:Why is Your Car a Write Off? And What Happens Next?
Do You Have the Proper Coverage on Your Policy?
A little quirk in Ontario auto insurance is that if you are the victim of a hit and run, where the third party who caused the damage is not identified, then the claim falls under your uninsured/unidentified motorist coverage. This means your Collision Deductible will apply to your claim. If you do not have collision coverage on your policy you will have to pay for the repairs yourself.
How Will a Hit and Run Affect My Insurance?
If you are the victim of a hit and run, reported it to the police, your broker and insurance company, you will be deemed not at fault. Meaning the accident won’t be charged against you for the calculation of insurance premiums.
Unsure of what to do? Call us. A personal insurance expert at Erb and Erb will help you through the claim process and answer any questions you have.
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