Question

Does insurance cover a hit-and-run parked car?

Insurance will cover a hit-and-run on a parked car, depending on your coverage. Collision coverage and uninsured motorist coverage will pay for your car's damages.

You may have comprehensive coverage in place, but it will not cover a hit-and-run parked car. With collision coverage, you are covered for the cost of repair or replacement after an accident. Here is a checklist to follow during a hit-and-run case. 

• Record the images of the scene and the car. 
• Contact the police and file a police report. 
• Inform the insurer about the incident. 
• Pay your deductible. 

You may not receive a claim if your deductible is more than what it costs to repair or if you have only basic coverage in place.