Parking lot accidents area unit the foremost common sort of motorcar collisions and infrequently occur in many fashions such as:
A collision between 2 occupied and moving vehicles
A collision between a moving vehicle and a stationary or put vehicle
A hit and run, during which harm is discovered on a vehicle when the opposite driver has left the scene
A collision between a automotive and another object, like a looking carriage
People avoid filing claims for parking zone accidents for several reasons. they will feel that the harm was too minor to warrant a claim, afraid their insurance premiums can go up or that they'll incur points for filing the claim. In some instances, folks may suppose it's an excessive amount of trouble to file a claim for what looks to be a minor accident in an exceedingly parking zone.
What happens if i do not file associate degree claim for a parking zone accident?
If you selected to not file a claim for a parking accident, you have got many choices. Most of them involve out of pocket expenses and assume some risk. If your automotive was the sole vehicle broken, you'll be able to value more highly to get hold of the repairs yourself. many folks do that after they feel that the price of the repairs is also below their deductible. as a result of they'd pay that quantity owed anyway, they avoid a claim within the hopes that it'll stop their insurance from rising.
If you were concerned in an exceedingly parking accident that broken another vehicle, you'll take it upon yourself to settle with the opposite driver while not involving insurance. This typically involves paying money or check to hide the price of repairs to the opposite vehicles. this will be a risky proposition. If something goes wrong, it comes all the way down to your word against the opposite driver. Sometimes, the harm from a parking zone collision is therefore minor that no repairs area unit necessary or the drivers concerned opt for to not create any repairs. this might be the case with associate degree older vehicle, or a minor collision involving a handcart.
Why is it vital to file a automobile insurance claim for a parking zone accident?
If you decide on to not file a automobile insurance claim for a parking zone accident, there's no record of the accident and no documentation. this might cause issues down the road, particularly if different drivers and vehicles were concerned.
You may suppose that paying the opposite driver money for damages inflicted on their vehicle can finish the case while not involving the insurance corporations or increasing your premium. However, what would you are doing if the different driver came to you later claiming injuries associate degrees demand that you just were accountable for medical bills or other expenses? while not the freelance documentation of an claim, you'll be certain a protracted and dear battle.
If you're involved that your premiums can rise due to a parking accident, take care to talk together with your underwriter. as a result of parking zone accidents area unit therefore common and may be troublesome to see blame, several insurers classify them as "no fault." this implies that your insurance rates can typically not increase due to associate degree accident. In several cases wherever 2 cars area unit concerned in an exceedingly parking zone accident, the insurers could split the blame as 50/50. this implies that whereas every driver is accountable for their own deductible and typically ends up in no increase to premiums for either party.
Is there associate degreey state of affairs wherever it's not necessary to file an claim for a parking zone accident?
While filing associate degree claim is usually the good thanks to defend yourself within the event of a parking zone collision, several drivers still don't fuck. a number of the foremost common reasons include:
• There were no different drivers or vehicles concerned within the accident
• The accident was minor and there's very little or no harm to your vehicle
• Your automotive was the sole automotive concerned within the accident and you are doing not will have the harm mounted, or the price of fixing the harm is considerably but your deductible
Filing a automobile insurance claim for a parking zone collision is sometimes a secure bet. it should appear to be alittle trouble at the time, however it will prevent several headaches down the road!
