Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

    Other models
    Other variants
    Select your variant
    View all variants
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      What to Do if Someone Hits Your Parked Car?

      Finding your parked car damaged is the last thing you would expect when you leave it in the parking lot. If luck is on your side, you may find a note from the person who accidentally hit your car. Otherwise, finding the person at fault may get very difficult. If you ever encounter any such situation, here is what you need to do.

      Read more

      What Happens During Parked Car Accidents?

      Let’s say, you parked your car outside a supermarket with several other vehicles and came back to see a big dent on its bumper. It would be nothing less than heartbreak to see your car damaged out of nowhere.

      In case someone has hit your car while it was parked somewhere, one of the following scenarios may occur:

      Scenario 1

      A vehicle accidentally hits your car in the parking lot and its driver either waits for you or leaves his/ her contact details on your car. This indicates that the driver at fault is ready to cooperate with you and cover your damages.

      In this case, the process of getting your car damages covered can be very simple. You just have to get in touch with the person who caused the accident and file a third-party claim under that person’s motor insurance.

      Scenario 2

      A vehicle hits your car while it was parked and its driver runs away from the accident spot without leaving his/ her contact details for you to get in touch. Such a scenario is mostly referred to as a hit-and-run accident.

      In this case, it can be difficult to find the driver at fault and get him/ her to pay for the damages caused to your car. In case you manage to find the offender, you can get him/ her to pay for your car’s damages by filing a third party car insurance claim against him/ her. But if you are unable to find that person, you will have to get your car repaired on your own.

      What to Do if Someone Hits Your Car?

      If a vehicle mistakenly hits your car from behind while it was standing in the parking lot, ideally, the driver of that vehicle should pay for the damages caused to your four wheeler. The driver at fault should leave his/ her contact details for you to get in touch. But often, that’s not the case. You may find no note from the person responsible for damaging your car and you may stand there scratching your head while wondering want to do next.

      Well! The first thing that you should do in case of a parked car accident is to try to remain calm and alert. Now, take a look at what you should do if your parked car has been damaged:

      • Note the Offender’s Details

        If you find your car damaged in the parking lot and a note with the offender’s details, you should store that paper safely. You will need to get in touch with the person at fault to get your car repaired. In case you see the vehicle that damaged your parked car fleeing the accident spot, you should note down that vehicle’s registration number and its model instead of chasing the vehicle. This will help to file a police complaint against the offender.

      • Find Witness to the Accident

        If you did not see the vehicle damaging your car, you should look for witnesses to the accident. Try to find the people who were present at the accident spot and had seen the particular incident. When you find any witnesses, ask them about the description or details of the vehicle that damaged your car. Also, check if the witnesses are willing to testify against the offender. In case they do, note down their contact details.

      • Call the Police and File an FIR

        As soon as you see your parked car damaged, immediately call the police and report the incident. You will also need to file an FIR or First Information Report with the Police. Once the FIR has been registered, the Police will begin the investigation and might find the driver who damaged your car and fled. Besides, motor insurance providers also require policyholders to submit a copy of the Police FIR to raise a third party car insurance claim. So you might need to submit the FIR copy to the offender’s insurance provider.

      • Inform your Car Insurer About the Accident

        Besides calling the police, you should also notify your car insurance companies about your parked car accident at the earliest. Once you inform your motor insurance company, you will be able to raise a car insurance claim to get the damages of your car covered.

      If your insurer needs your car to be inspected at the site, wait for the surveyor to come and do not move your vehicle from the accident spot. Once the survey has been done, you can take your car to a network or non-network garage for repairs.

      • Look for Any Security Cameras

        Check for any security cameras that may have captured the accident. Most markets and mall parking lots have security cameras, which may help you to find the details of the car that hit yours. If it is a parking space without any security cameras, look for any shops or residences nearby with security cameras that may have recorded the incident. If you do find the accident recorded in a security camera, take a copy of the footage.

      • Take Photographs of the Accident Spot and Your Damaged Car

        No matter how much in a hurry you may be in, do not forget to take pictures of the accident spot as well as your damaged car. The pictures will act as evidence of the accident and the damages caused to your car. These pictures will help you to get your claim approved by your motor insurance company and will also aid in the police investigation.

      How to Get Your Parked Car Damages Covered?

      There are two ways of getting your parked car damages covered. You can either get the offender to pay for the damages by filing a third party car insurance claim or raise an own damage claim with your insurer.

      • Third Party Car Insurance Claim

        As you may already know, a third party car insurance policy is designed to cover all third party accidental liabilities of the policyholder caused by his/ her car. Therefore, the person who hit his/ her vehicle to yours will be legally bound to pay for the damages caused by your car.

        All you need to do is file a third party accidental claim against the offender, whose motor insurance company will pay you the compensation for your damages. A third party car insurance claim is only possible if you are aware of the person who damaged your parked car.

      • Own Damage Car Insurance Claim

        In case you could not find the person responsible for damaging your parked car, you can still get the damages covered under your car insurance policy, provided you have own damage cover. An own damage cover provides coverage for any accidental loss or damages caused to your car along with fire damages, theft and damages arising out of manmade and natural calamities.

        However, own damage cover is not mandatory in India, unlike the 3rd party car insurance. Therefore, you need to have a comprehensive car insurance policy or a separate standalone own damage cover to get your motor insurance company to pay for the repair of your car.

      How to Raise a Claim for Parked Car Accidents?

      To raise a claim for a parked car accident under your comprehensive car insurance, you need to first inform your motor insurance company about the accident. Make sure to intimate your insurer as soon as possible. Your insurer may send a surveyor to inspect the damages to the car after which you can send the vehicle for repair at a network or non-network garage of your insurer. You will also have to submit all the required documents to your motor insurance company to get your claim approved.

      In case you send your car for repair at a network garage, your repair bill will be paid by your insurer on a cashless basis. On the other hand, if you send your car for repair at a non-network garage, you will have to pay the bill on your own and file a reimbursement claim with your insurer later.

      In a Nutshell

      Parked accidents are for real and happen quite often. It is better to stay prepared for any adverse situation than to get the shock of your life on seeing your car damaged in the parking lot. Since you cannot predict if you will be able to find the offender who hit your car, it is better to buy a comprehensive policy instead of third party car insurance so that your motor insurance company can cover the damages. You can also buy car insurance online after comparing from best insurance companies on

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      • Recent Article
      • Popular Articles
      21 May 2024

      Get Faster Claim Settlement with Policybazaar Claim...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance Policy...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To Find Car Insurance Details By Registration Number

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more
      03 Jun 2016

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more
      20 Jul 2017

      Comprehensive Insurance Vs Third Party Insurance

      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.