Does your insurance go up if you hit something?

A simple error like running into anything might become costly. Unfortunately, it’s not unusual to see an increase in your auto insurance rates following damage or a claim, regardless of who’s at fault.

What happens if I hit a parked car without insurance?

Without auto insurance, you’ll typically have to pay out of your own pocket if you have an accident. However, driving a car without insurance and valid proof of coverage is unlawful. If you are in an accident while driving without insurance, you could face jail time, lose your license, and pay higher car insurance rates when you buy a policy.

Do I have to insure my car if it is parked?

All registered cars must have liability insurance in most states, including when parked and not being driven. You can earn a garaging and storing auto insurance discount to reduce your rates while you aren’t driving the vehicle if your company offers it.

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Hitting a Parked Car, Auto Insurance Implications

20% of all car crashes occur in parking lots and covered garages. In addition, over 60% of drivers have reported being in an accident where they discovered someone had hit their car while they were away. Hitting a parked car shouldn’t terrify you since you should already carry liability auto insurance per state law. However,...

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