Coming back to find your parked car damaged can be incredibly frustrating. At the Atkinson Casey Agency, serving the greater area of Monroe GA, we help drivers understand what to do when these situations arise and how proper coverage protects you.
Immediate Steps After Discovery
When you discover damage to your parked vehicle, start by documenting everything with photos from multiple angles. Look around for witnesses or nearby security cameras that might have captured the incident. Check for notes left by the other driver, though unfortunately many hit-and-run situations occur without any contact information being left behind.
Contact the police to file a report, especially if the damage is significant. Even for minor incidents, having an official report creates a paper trail that can be valuable for insurance claims. Get the report number and officer’s information for your records.
Understanding Your Insurance Coverage Options
Your comprehensive coverage typically handles damage from falling objects, vandalism, or weather-related incidents. Collision coverage applies when another vehicle strikes your car, whether the other driver stays or leaves the scene. If you have uninsured motorist property damage coverage, this can help when the at-fault driver cannot be identified or lacks insurance.
Deductibles will apply based on which coverage handles your claim. Review your policy details to understand your specific coverage limits and out-of-pocket costs before filing a claim.
Moving Forward With Confidence
While discovering damage to your parked car is never pleasant, having the right insurance coverage makes the recovery process much smoother. Contact the Atkinson Casey Agency, proudly serving the community in and around Monroe, GA, to review your auto insurance policy and ensure you have adequate protection for unexpected situations like these.
