If you damage an unattended vehicle: a quick guide to what to do

Getting your bearings after a collision

When you realize you’ve bumped a parked car, stay calm and safe. If you can do so without putting yourself or others at risk, pull over to a safe spot, turn on hazard lights, and assess the situation. Check for injuries and call for help if needed. If the incident is minor and no one is hurt, you can proceed to handle it calmly and responsibly.

What to do if you damage an unattended vehicle

If you damage an unattended vehicle, you are generally expected to take steps to identify and notify the owner. Stop at the scene, avoid admitting fault in statements, and try to locate the owner. If the owner cannot be found, you should leave your information and report the incident as required by local laws, which can vary by place.

Leaving a note with your information

• Your full name and a reliable way to contact you (phone or email)
• Your insurance company and policy number
• Your vehicle’s license plate number
• The location, date, and approximate time of the incident
• A brief description of what happened and the damage
• A note of your willingness to cooperate and a signature (if feasible)

Documenting the damage and scene

Take clear photos of the damage to both vehicles, the surrounding area, and any street signs or landmarks. Photograph the location from multiple angles, and keep a record of the date, time, and weather conditions.

Involving authorities and insurance

In some places you must contact the police or parking enforcement, especially if the owner cannot be found or the damage is significant. Even where not required, notify your insurer and follow their instructions. Provide accurate details and keep records of every step you take.

Aftercare: what to expect

The owner may reach out to you, or your insurer may request additional information. The claims process can vary, but keeping organized records will help.

A quick checklist you can follow

• Stop and ensure safety at the scene
• Look for the owner and attempt to notify them
• If you can’t locate the owner, leave a written note with your information
• Take photos of the damage and scene
• Contact local authorities if required and notify your insurer
• Follow up as needed with any requests for information