What to Do When Someone Hits Your Car and Drives Away: A Guide
Today, I found myself in an unexpected situation at the grocery store parking lot. While reversing into a parking spot, another driver in a truck accidentally backed into my vehicle and then drove off without a word. Fortunately, my dash cam captured the incident, and I also managed to note the truck’s license plate number.
After the driver moved forward, I parked my car and stepped out to assess any damage. Thankfully, it seemed like only a few minor scratches were left behind, likely easy enough to buff out. However, it was frustrating that the driver didn’t stop to exchange information or even offer an apology.
Now, I’m faced with a decision: should I report this incident to my insurance company, given that the damage is minor, or should I let it slide? Reporting it could potentially lead to an increase in premiums, but ignoring it means accepting responsibility for someone else’s mistake.
It’s essential to weigh the pros and cons before deciding. Reporting might be worthwhile if the damage turns out to be more significant than it appears or if similar issues arise in the future. Additionally, despite the minimal damage, there’s a principle in raising awareness about hit-and-run incidents to prevent them from becoming a norm.
Ultimately, understanding the best course of action when faced with such dilemmas can save time, money, and stress in the long run. If you’ve faced a similar situation or have any advice, I’d love to hear your thoughts in the comments below!
I’m sorry to hear about your situation. Dealing with a hit-and-run can be frustrating, especially when the damage seems minor but the principle of the incident leaves you feeling upset. Here’s a structured plan you could follow to address the situation effectively:
Since you have captured the incident on your dash cam, ensure that the footage clearly shows the other vehicle hitting your car, the vehicle’s license plate, and any other relevant details. Save and back up this footage in case you need it for an insurance claim or legal purposes.
Assess the Damage:
It’s wise to fully assess the damage to your truck. Although it might seem minor now, a professional inspection could reveal underlying issues that aren’t immediately visible. A mechanic can help identify any potential structural damage that could lead to costly repairs in the future.
Contact Local Authorities:
Report the incident to the police, even if the damage is minor. This establishes an official record of the hit-and-run, which can be valuable for insurance claims or legal actions. Provide them with the dash cam footage and the license plate number of the other vehicle.
Reach Out to Your Insurance Company:
Inform your insurance company about the incident. They can advise on whether it makes sense to file a claim based on the damage’s extent and your policy’s terms. Some companies offer coverage for hit-and-run incidents under uninsured motorist property damage coverage, which could cover your repair costs without affecting your premiums significantly.
Consider Minor Damage Costs:
If your insurance deductible is higher than the repair cost, and you choose not to file a claim, you might prefer to handle the repairs out-of-pocket. A detail shop may be able to buff out the scratches at a relatively low cost.
Think About Your Future Steps:
If the incident left you feeling rattled, you might want to look into preventive measures, such as enhanced parking sensors or more robust dash cams, to protect yourself in the future.
Reflect on Reporting to Your Insurance on the Principle:
Each step provides a layer of protection and resolution. Your feelings and the