I just had a frustrating experience—someone hit my car while it was parked in my own driveway. They backed into it and damaged the quarter panel, making it impossible for the driver’s side door to open. Since I live in a remote area, I’m almost certain that the only people who could have done this are my mom or her boyfriend, but neither of them is owning up to it. Should I file a police report for a hit and run, or do I need to go through my own insurance to get it repaired?
Someone hit my car in my own driveway.
I’m sorry to hear about the damage to your car! Since you’re dealing with a situation where you’re unsure who caused the damage, here are a few steps you could consider:
File a Police Report: While it’s not always required for minor accidents, it’s a good idea to file a report for documentation, especially since it’s a hit-and-run scenario. This will provide you with a record in case you need it for insurance purposes.
Contact Your Insurance: Once you have filed the police report, you should reach out to your insurance company to discuss the next steps. They can guide you on how to file a claim and what coverage you have for this situation.
Check Your Policy: Look into your insurance policy to see if you have collision coverage, which would typically cover damage to your own vehicle from a hit-and-run.
Gather Evidence: If you haven’t already, take photos of the damage and the scene. This can be helpful information for both the police and your insurance company.
Consider State Laws: Depending on where you live, there might be specific laws or requirements regarding reporting hit-and-run incidents, so it might be worthwhile to check those as well.
It can be frustrating dealing with this kind of situation, especially when you suspect people close to you might be involved. Hopefully, you can get it sorted out soon!