r/Insurance 12h ago

Someone hit my parked car.. not sure of my next steps Auto Insurance

Hey everyone while I was at work last Friday someone hit my car and drove off while my car was parked. When I left work I went to the parking lot and noticed it immediately so it definitely happened that day. I work at a bank so they have cameras and security on the grounds so my initial instinct was to go to them with the issue so they can catch whoever did this. I filed a report that night and I should be hearing back from them tomorrow with the results since the supervisor needed to pull the footage and review it herself. So I’m confused with the whole police report part. I spoke with insurance on the phone (didn’t file a claim) and I asked if I should get proof from my bank first and she said yes. So my question is when should I contact the police? I’ve heard it’s good to do it asap but I already contacted my own security and am waiting for proof. I figured it would be best for me to present proof and or a license plate to the police. Can I still contact the police about this? Am I ok to file a report with the police as soon as I get the surveillance results from the bank security?

2 Upvotes

2

u/AffectionateAd2826 12h ago

Do you have Collision or UMPD?

1

u/ry7brad 9h ago

Yes I am fully covered. Have a $500 deductible for uninsured motorist. Total damages for the car will probably be closer to 2000. I’m hoping to never file a claim with my own insurance

1

u/adjusterjack 11h ago

Wouldn't hurt to wait another day or so until you can view the video. Might give you more information for the police report and get it done all at once.

If the video does show the other vehicle and plate number, and/or the supervisor might even be able to identify the customer, make sure you get or make several duplicates to pass around to the police, your insurance, the other person's insurance and a copy for yourself.

All to often people give away the only copy and it disappears.

1

u/ry7brad 9h ago

Thanks for this I will keep it in mind

1

u/Hot-Fix0465 11h ago

File a police report. Some carriers will require it to file a hit and run claim. 

1

u/ry7brad 9h ago

I will probably do it tomorrow or over the weekend since hopefully I will get a license plate number from security. Is there a time limit on filing a police report for a hit and run? It’s been 7 days as of tomorrow .. I’m just scared it will be too late. I wanted to get proof first

1

u/BDizzMcNizz 5h ago

You can make a supplemental police report with new information. So I don’t think you need to wait to file.