At Green Family Insurance Inc., providing auto insurance to residents throughout Illinois, we hear from drivers all the time who walk back to their car only to find a fresh dent, a cracked bumper, or a busted mirror, with no note left behind. It happens more often than most people expect, which makes it worth understanding how your coverage responds before it ever happens to you.
What usually causes parked car damage: The list is longer than you might think. Other drivers clipping your bumper while pulling in or out, shopping carts drifting across a lot, falling tree branches, hail, and vandalism are all common culprits. What makes this kind of damage so frustrating is that you did absolutely nothing wrong, and in many cases, whoever caused it simply drives away, leaving you to deal with the aftermath alone.
Which coverage applies depends on how the damage occurred. If another driver hits your parked car and can be identified, their liability coverage should handle your repairs. If they drove off, or the damage came from weather, a falling object, or vandalism, that typically falls under your comprehensive coverage. When the exact cause isn’t clear, collision coverage may come into play instead. Carrying both comprehensive and collision on your policy helps ensure you’re covered across most of these scenarios.
Finding damage on a car you parked carefully is already frustrating enough. Finding out your insurance won’t help makes it far worse. Contact Green Family Insurance Inc. in Illinois today and let us make sure your auto policy is covered for whatever comes your way.
