Your insurance will usually only go up if it is determined that an accident was your fault.
If someone hit your car when you weren't there, then most likely, you couldn't avoid it and it wasn't your fault.
Unless you parked it in the middle of a freeway or something like that.
If your car was hit while parked and the other driver drove off, then you ask for payment under your collision coverage.
It should. But it's much easier to collect if you have your own insurance.
Several things can happen. Allowing you parked legally other than insurance: the person who hit your parked car is responsible to pay damage. If you were parked on private property the lack of insurance means nothing. If you were parked on a public road or public parking lot you could be on the hook for a ticket for uninsured vehicle, but the other guy should pay anyway. Don't admit to driving with out insurance!
The other person pays.
Call them and their insurance company.
If one vehicle is sitting parked and one is in motion, then logic dictates the vehicle that was in motion is at fault and therefore responsible for the damages.
You and your insurance company are responsible.
It would be darned hard to assess the blame on the parked car. If one vehicle is in motion and the other is not, 99.99% of the time, the moving vehicle is at fault.
Your name, phone number and insurance policy number.
I am renting a trailer and a limb falls on my vehicle while parked on the property who is responsible for the damages
No. Homeowners Insurance does not cover Hail damage to an Automobile.Hail damage to an automobile is covered by the vehicles Auto insurance policy. Vehicles are not scheduled property on a homeowners policy.
If you are legally parked there is no question that the other driver is at fault. Your parked vehicle has not chance of avoiding the accident. Only the driver who hits your car while it is parked could avoid the situation. Now the problem comes in when they leave the scene of the accident. Immediately call the police without moving your vehicle. Search for witnesses and report it to the owner of the parking lot as well if you can identify them. Make sure a police report is made. If you have uninsured motorists coverage the UM will pay for your damage just as if the other party had coverage except you will have a small deductible depending on what you purchased on your policy. If the other party is caught, and the funds are recovered by your insurance company they will refund your deductible to you even if it takes years. If they had insurance it will be quick, if not it may take a while. If the person who hits you has insurance your UM does not get involved.