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Unfortunately with that type of coverage there is really nothing you can do but pray. Hopefully whoever hit your car was honest enough to leave insurance information or at the very least a contact information note. You could ask your neighbors and see if they saw anything.

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Q: What should you do if someone hit your car overnight and you have only liability insurance?
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What if someone hits you and its not his car and there are no insurance on the vehicle?

His liability insurance on his car should transfer to the vehicle that he is driving.


If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?

No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.


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You home owners liability insurance should cover it.


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You need a commercial general liability policy.


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The other parties liability should if it was their fault. Your liability should cover the vehicle you damaged.


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Homeowner's insurance covers most basic liability needs, should someone become injured on your property. Additional coverage against fire, flood, and earthquake is also recommended to protect your investment.


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Employer's liability insurance exists to protect an employer from an employee's insurance claims from conditions resulting from work. The insurance should cover medical costs and some lost wages.


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If you only have liability insurance and someone hits your car and leaves should your insurance cover the damages done to your car?

No. Physical Damage coverage to your own vehicle would be covered in this instance if you purchased the coverage, but liability only would not repair the damages.