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Should I file a claim with my insurance company if an unknown person hit my Honda?
I have a 2015 Honda CR-V. Last week, someone hit my parked car while I was in a store. Can I use my insurance to pay for repairs?
Emily Richey · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If the person who hit your car didn’t leave a note, and if you’re unable to identify them, you should file a claim with your insurance company as soon as possible.
Since the other driver’s identity is unknown, you’ll have to use
collision coverage
to pay for the repairs. If the damage is minor, your insurance will pay for the repairs, minus your deductible. Keep in mind that if the repairs cost less than your deductible, your insurance company will cover nothing and you’ll have to foot the bill.
If your car is considered a total loss, you’ll be paid the actual cash value of your car, minus the deductible.
If you don’t have collision coverage on your policy, then you’ll have to pay for the repairs yourself.
“
View full answer
- Gregory R.
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