Oh Deer! You Just Bumper-Carred a Parked Ride in Michigan
Let's face it, even the most careful driver can turn into a rogue bumper car every now and then. Maybe you were dodging a rogue squirrel with Olympic aspirations, or perhaps you forgot coffee isn't a substitute for sleep. Whatever the reason, you've found yourself in the not-so-glamorous situation of having kissed a parked car goodbye. But hey, don't panic! Here in Michigan, we've got a system (and by system, we mean a bunch of rules, but we'll explain those in a friendly way).
First Things First: Don't Be a Hit-and-Run Rudolph
This might seem obvious, but let's establish some ground rules. If you hit a parked car and Scooby Doo isn't behind the wheel (meaning it's not a deserted Mystery Machine), then you absolutely need to leave a note. This note should include your name, phone number, insurance information, and a heartfelt apology (because, you know, manners). Bonus points if you can find the owner and explain the situation in person.
But what if you can't find the owner? No worries, Sherlock. In that case, call the police and report the accident. This will CYA (cover your awesome self) and create a police report that'll be helpful later.
The No-Fault Funhouse: Insurance Maze in Michigan
Michigan has a no-fault insurance system, which basically means your insurance covers your own injuries and damages, regardless of who caused the accident. But here's the twist: it only applies to people, not parked cars. So, while your insurance might take care of any injuries you sustained (hopefully there were none!), it won't magically fix the crumpled car you bumped into.
Enter your superhero, also known as property damage (PD) insurance. This is the magical potion that will help pay to fix the other car. But here's the kicker: You only get this coverage if you specifically purchased it as part of your auto insurance policy. So, the lesson is (cue dramatic music): Always double-check your insurance coverage.
The Paperwork Tango: Time to Gather Evidence
Now that the dust has settled (or maybe the paint chips have?), it's time to gather evidence. Take pictures of the damage to both cars, the location of the parked car, and any other relevant details (like skid marks or witnesses, if any). The more pictures, the merrier (except for the person whose car got bumped).
Don't forget to exchange information with the other driver, if possible. This includes their name, contact details, and insurance information.
Hold on, what if there wasn't another driver?**
If you hit a parked car with no one around, then refer back to step one: leave a note and call the police.
Ugh, this is all such a hassle! **
We hear you! But hey, at least you're not facing a pack of angry wolverines. Besides, handling things the right way will save you a bunch of headaches (and potentially money) down the road.
FAQ: Hitting the Brakes on Confusion
How to leave a note for the car owner?
A simple note with your name, phone number, insurance information, and a brief apology explaining the situation will do.
How to file a police report for a hit-and-run?
Call your local police department and explain what happened. They will guide you through the filing process.
How to know if I have property damage (PD) insurance?
Check your auto insurance policy documents or contact your insurance provider directly.
How to get the other driver's insurance information?
If possible, exchange information directly with the other driver. If they're not around, leave a note requesting this information.
How to avoid hitting parked cars in the future?
Stay focused on the road, maintain a safe distance, and avoid distractions while driving.
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