Hit While Parked: Your Legal Rights When Your Car is Damaged in Georgia
Understanding Your Rights After a Parked Car Accident
Parking your car and returning to find it damaged can be frustrating and costly. Whether it was a hit-and-run or an identified driver caused the accident, knowing your rights is crucial. Georgia law provides options for victims of parked car accidents to seek compensation. In this article, we’ll break down your legal rights, insurance coverage options, and steps to take if your parked car is hit.
Immediate Steps to Take When Your Parked Car Is Hit
If your parked car has been hit, taking the right steps immediately can help protect your claim:
1. Document the Damage
- Take clear photos of the damage from different angles.
- Capture images of debris, tire marks, and any paint transfer from the other vehicle.
- If there are witnesses, get their contact information.
2. Look for a Note or Security Footage
- If the driver is responsible and follows Georgia law, they should leave a note with their contact and insurance details.
- Check for nearby security cameras, such as those in parking lots, businesses, or residential areas.
3. Call the Police and File a Report
- If the damage is significant, a police report can help with insurance claims.
- In a hit-and-run, reporting to the police is essential for Uninsured Motorist (UM) coverage claims.
4. Notify Your Insurance Company
- Even if you don’t know who hit your car, you can file a claim with your own insurance provider under certain coverages.
- Provide them with photos, witness statements, and police reports to support your claim.
Understanding Insurance Coverage for Parked Car Accidents
1. At-Fault Driver’s Insurance
If the responsible driver is identified, their liability insurance should cover your damages. Georgia law requires all drivers to have minimum liability coverage of:
- $25,000 for property damage per accident.
- $25,000 per person / $50,000 per accident for bodily injury.
2. Uninsured Motorist (UM) Coverage
If it was a hit-and-run or the at-fault driver is uninsured, your Uninsured Motorist (UM) coverage can help cover damages.
3. Collision Coverage
If the at-fault driver cannot be found, your collision coverage can cover repair costs, but you may need to pay a deductible.
4. Comprehensive Coverage
If your parked car was damaged by falling objects, vandalism, or weather-related incidents, comprehensive coverage applies.
What to Do If the At-Fault Driver is Found
If the driver is located, take these steps:
- Exchange insurance details with the driver.
- File a claim with their insurer for property damage.
- If they refuse to cooperate, you may need to file a civil lawsuit for damages.
What If It’s a Hit-and-Run?
Georgia law requires drivers to stop and provide their information after an accident. If they flee, it is considered a misdemeanor or felony, depending on the severity of the damage or injuries.
If you’re a victim of a hit-and-run:
- File a police report immediately.
- Check for surveillance footage or eyewitnesses.
- Use your UM coverage to cover damages.
When to Contact CAR WRECK COWBOYS
Consider contacting Car Wreck Cowboys if:
- The at-fault driver is disputing fault.
- Your insurance company denies or delays your claim.
- You suffered injuries due to the accident.
- The damage is severe, and compensation is not being offered fairly.
Conclusion
Being hit while parked can be frustrating, but Georgia law provides avenues for victims to seek compensation. Whether dealing with an at-fault driver, hit-and-run, or insurance claim, knowing your rights is key. Always document the damage, report the incident, and explore available insurance options. If you face challenges recovering compensation, an experienced attorney can help protect your rights and maximize your claim.
Need Legal Help?
If you need assistance with a parked car accident claim in Georgia, Car Wreck Cowboys can help. Contact us today for a free consultation to discuss your options.
