Someone hit my parked car what should I do now?

Instead of fretting over the incident, you need to start accumulating evidence of the collision to prove your car was hit. With adequate proof, it’s much easier to make car insurance claims. And if you have opted for ‘own damage’ car insurance, you have little to worry about.

You should take the following steps if you discover that your car has been damaged:

At the accident spot: If you see that your parked car has been hit, the first thing you need to do is to click photographs of the damaged vehicle from different angles so that it becomes easy to determine the impact of the collision. Get close-up and long shots so that your case for getting car insurance claims becomes more robust. Also, talk to any people in the vicinity about the incident or check CCTV footage if any. You may get details of the offender from eyewitnesses. If a witness agrees to testify in court, get their contact details.

Away from the accident spot: When you are done with the initial investigation, file an FIR with the nearest police station immediately. After this is done, inform your insurance service provider. Contact them via phone or email and tell them about the incident.

What documents are required for car insurance claims?

If someone hits your parked car, these are the necessary documents required for car insurance claims:

• Copy of the FIR, depending on the case
• RC (registration certificate) of the car
• Photos of the damage taken at the accident spot
• Driver’s licence of the driver of the insured car

Whether you are planning to get own damage (comprehensive) insurance, third-party car insurance or any other add-on policy for your car, compare their features before you choose the right add-on for you.

Don’t buy car insurance just because it’s compulsory by law; go for it because your safety and well-being are at stake. For ultimate peace of mind, #ThinkAhead and choose a comprehensive car insurance policy from Tata AIG that offers maximum coverage to keep you and your family safe.