When you park your vehicle, we assume that it’s been left in a secure place within the parking space lines. But, what happens when your car has been hit while parked?
The RAC averages 39 million parking acts at the end of a trip every day, which is not surprising that damage to parked vehicles is becoming more frequent.
According to a RAC survey conducted in 2016, over a third of drivers had their car hit at least once, with the supermarket car park the most common location. The general consensus is that drivers just sigh and carry on. However, that doesn’t need to be the case!
At Claimsline, through our Credit Hire services, we can help limit the disruption to your day-to-day life and work alongside you to recover the costs of repairs from the at-fault driver.
Did someone hit your parked car? Now, you might think that if it wasn’t your fault, your insurance shouldn’t be affected. Unfortunately, even if the accident wasn’t on you, it might impact next year’s premium.
Luckily, there are ways available to make a non-fault claim from the other at-fault driver’s insurance company directly without going to your insurer. This won’t incur any costs for you or impact your own insurance.
If your car was hit while parked, at Claimsline we provide no cost assistance
Typically, the immediate response after any road accident is to reach out to your insurance. However, calling your insurer may not be the best option as there are different reasons why your insurance would increase after a road accident.
Once your next insurance renewal comes around, the insurance company will usually attach the pending claim to your own policy. If the at-fault driver’s policy doesn’t cover the entire claim, your own policy is at risk of taking on some, if not at all of the claim costs, expenses and losses.
Even if the accident wasn't your fault, your insurance premiums may go up when you renew because the insurer may think you're a risk. Insurance companies will want to recoup the costs of any payout made after an accident.
Your no-claims bonus can be wiped out or reduced if you file a non-fault accident claim through your insurance. Your next insurance premium could go up as a result of losing or reducing your no-claims discount. Losing some, if not all of your no-claims bonus also means that you need to rebuild a no-claims discount over the years, incurring higher premiums over time.
The insurance risk is linked to your claims history over the last 5 years. Even non-fault, they’re still considered when insurance renewals are due and stored in different databases, such as the Claims and Underwriting Exchange (CUE).
Once the claim is concluded, this risk is assessed based on the non-fault accident circumstances. Some insurance companies will consider that after you’ve been in a car accident, you’re more likely to experience another one compared to someone who has not been in one.
To avoid increased premiums, call a claims management company like Claimsline. A claims management company offers an alternative to the traditional insurance claim processes. Once you take the first step, Claimsline will get your non-fault car accident claim up and running, making our service the top choice compared to going with your insurer.
Call a claims management company for a like-for-like replacement vehicle while your car is being repaired at no cost to you. We start the claim process directly with the at-fault’s driver insurance, so you don’t have to pay your insurance policy excess. We’ll handle your accident claim without involving your insurance company, so your no-claims bonus won’t be affected.
We arrange your vehicle’s repair at our body shops with manufacturer-approved repair garage options.
We get how frustrating it is to lose access to your everyday vehicle. Whether it’s for the school run, your daily commute, or for your business, we’ll work with you to get back on the road with as little disruption to your life as possible. We’ll deliver a same-day like-for-like replacement vehicle fully insured, directly to your location at no cost to you.
Get in touch today to discover our fleet of vehicles available.
We will negotiate on your behalf with the at-fault insurance company. We use different valuation tools to ensure that in the unfortunate scenario, your vehicle is deemed a total loss, you receive a fair market value.
Once a pre-accident value figure is agreed upon, these funds will be transferred to you directly, irrelevant of any outstanding finance.
You then must clear any existing finance on the vehicle. As a Claimsline client, you will be entitled to remain using the replacement vehicle for seven days after receiving cleared funds, giving you time to purchase a new vehicle.
Claimsline is your go-to alternative specialised in non-fault accident services. We’re dedicated to assisting drivers throughout the UK after a non-fault incident. To speak to an advisor for guidance on getting started on a non-fault claim, call 0333 006 8262
We’ll swiftly arrange a like-for-like vehicle, delivering it directly to you to use until your claim is resolved. Alternatively, fill out this online claim form and one of our friendly advisors will provide a call back to discuss the circumstances with you.
If your car is being hit while parked due to the at-fault driver, we can help you make a claim. Once you have collected all evidence and information to prove exactly what happened, call Claimsline before your insurer and our expert and friendly team will guide you through the claims process and take the stress out of a difficult time post-accident.
You’ll only need the registration number of the at-fault party (though the driver’s name can help, but is not essential). Taking pictures at the accident scene, involving both vehicles if possible and areas of damage can help as well.
It is a legal requirement for the at-fault driver to leave a note with their contact and insurance details explaining what happened. Explore evidence around the accident location; check for cameras and request a copy of any available CCTV footage. Talk to your neighbours and see if they have any CCTV cameras on their property. Look for any local shops and nearby garages in the area that may have CCTV cameras.
Gather contact details from witnesses. Collect contact information from any witnesses present at the scene of the accident and get a written statement from each of them detailing the events leading up to and including the accident.
If the at-fault driver leaves the scene or is not cooperative, it’s crucial to report the incident to the police immediately.
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If your vehicle was hit while parked, you can claim for car damage and any other losses you may incur as a result of the accident, such as the courtesy hire car, directly from the at-fault driver’s insurance company. The other party is responsible for reimbursing you the full cost of the repairs and any other expenses. These costs can include vehicle repair, vehicle recovery, vehicle write-off value and the cost of a replacement car.
If your car has been hit while parked, your first contact after the accident should be an accident management company like Claimsline. Avoid losing your no-claims bonus and save from paying insurance excess today.
We’ve helped over 18,000 drivers since 2018. Our swift car replacement service will guarantee you back on the road while your vehicle claim is managed by providing a like-for-like replacement car on the same day, absolutely free.
Rated Excellent on TrustPilot, protect your no-claims bonus and receive a like-for-like replacement vehicle.
After your car has been hit while parked and is non-fault, Claimsline can help avoid the disruption of being off-road by sorting you out with a credit hire vehicle. This won’t affect your insurance in any way as you’re not claiming it. Choosing Claimsline will protect your no-claims bonus, providing it is a non-fault claim.
In short, no. If your vehicle has been hit as a result of the negligence of another driver, then you’ll be able to make a claim given is non-fault.
Unfortunately, in many cases, a non-fault claim will increase the cost of your car insurance, although it shouldn't have as much of an effect as making an at-fault claim would. Some providers can raise your premiums by up to 30% for one non-fault claim, and by up to 50% for two non-fault claims. With Claimsline, there’s no risk to your insurance premiums.