Subject: Hit and Run Incident in Parking Lot – Need Advice
Hi everyone,
I’m not sure if this is the right place to post, but I’m looking for some advice. My parked car was rear-ended in a parking lot, and the driver fled the scene. I’ve already filed a police report, but since I only have PLPD (Michigan’s basic coverage), I’m wondering if it’s worth it to file a claim with my insurance for the damage. The damage is mostly cosmetic, but it is quite significant. I’m concerned about my rates going up.
Any insights or advice would be greatly appreciated. Thank you!
I’m sorry to hear about your situation! It can be really frustrating dealing with a hit-and-run. Since you only have PLPD (Personal Liability and Property Damage) coverage in Michigan, your options are somewhat limited. PLPD typically covers liability for damage to others and doesn’t cover your own vehicle’s damage.
In this case, since the damage is cosmetic and you mentioned it’s a decent amount, consider the following:
Cost of Repairs vs. Insurance Impact: If you know how much the repairs will cost, compare that to your deductible and potential rate increase. If the repairs are less than or close to your deductible, it may not be worth involving your insurance.
Filing a Claim: If you decide it’s worth it, you can file a claim to see what they say, but be aware it may lead to an increase in your premiums, especially since you already have a hit-and-run on your record.
Paying Out of Pocket: If you can afford the repairs and they don’t significantly affect the value of your car, paying out of pocket can be a good option to avoid any potential insurance rate increases.
Consider Reporting: Besides filing a claim, continue communicating with the police. They might have resources or advice on how to proceed further, especially if they can identify the driver.
Ultimately, it boils down to balancing the cost of repairs against the potential long-term impact on your insurance. Whatever you decide, I hope you can get everything sorted out soon!