Accidents happen, and hitting a parked car is one of those moments that can leave you feeling stressed and unsure of what to do next. Whether it’s a tight parking lot or a narrow street in Haverstraw, knowing how to handle the situation and how your auto insurance can help is key. WOOT Insurance is here to guide Haverstraw drivers through the steps to take after hitting a parked car and explain how your coverage can protect you.

Steps to Take After Hitting a Parked Car

If you accidentally hit a parked car, it’s important to stay calm and follow these steps:

• Stop Immediately: Never leave the scene of the accident, as doing so could result in legal consequences.
• Try to Locate the Owner: If the owner is nearby, let them know what happened and exchange contact and insurance information.
• Leave a Note: If you can’t find the owner, leave a note with your name, phone number, and a brief explanation of the incident. Place it securely on the windshield.
• Document the Damage: Take photos of the damage to both vehicles and write down details about the location and time of the accident.
• Contact Your Insurance Provider: Notify your insurance company as soon as possible to start the claims process.

How Auto Insurance Covers You

Hitting a parked car is typically covered under your liability insurance, which pays for the damage to the other vehicle. If your own car is damaged, collision coverage can help cover the cost of repairs. It’s important to review your policy to ensure you have adequate coverage for these types of incidents.

Why Liability Insurance Is Essential

In New York, liability insurance is required by law and protects you if you’re at fault in an accident. Without it, you could be responsible for paying out of pocket for damages, which can be costly. WOOT Insurance offers policies that meet New York’s requirements and provide peace of mind for Haverstraw drivers.

Protect Yourself with the Right Coverage

Accidents like hitting a parked car can happen to anyone, but having the right auto insurance makes all the difference. WOOT Insurance is proud to serve Haverstraw and the surrounding community, offering coverage options that keep you protected. Visit WOOT Insurance today to learn more about liability and collision coverage for your vehicle.