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QUESTION: My vehicle was hit while parked. What next? (sh.itjust.works)

submitted 6 months ago* (last edited 5 months ago) by CocaineShrimp@sh.itjust.works to c/ontario@lemmy.ca

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Hey everyone,

I've got a question about how to deal with an automotive incident in London, Ontario. Any advice would be much appreciated!

I parked my vehicle outside of a shop, and while I was inside, someone backed into my vehicle & drove off. I was able to capture the hit and run on dash cam, including the other drivers license plate. It's very clear who it was. Luckily, the damage basically boils down to a few dents and scratches.

Im obviously planning on fixing the damage; however, from those that I've spoken to, it's not worth trying to get any compensation from the one who hit me. I'd have to file a police report to get their information, to get the police report I'd need to give them my insurance information, and then my insurance finds out and will raise my rates.

Is there anything worth doing, or am I SOL on this one?

Again, any advice would be much appreciated!

EDIT: Thank you to those that replied! I ultimately decided not file a police report, and eat the cost on this one.

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[–] eezeebee@lemmy.ca 5 points 6 months ago (1 children)

I'm no expert, but the way I understand it is your rates won't increase because you were not at fault and can prove it.

Secondly, this asshole hit your car and ran, so fuck them, this is one time you maybe should talk to the police.

Another thing to consider is that filing this can make it show up that your car had an accident on your Carfax report in the future if you planned to sell the car. First thing I would do is go get a quote from a shop and see what the cost to repair will be, then go from there.

[–] isVeryLoud@lemmy.ca 2 points 6 months ago

Insurance repairs tend to be higher quality than getting it fixed yourself. It also often comes with a loaner car and a lifetime warranty on the job, and they use original parts where available.

But yes, it will show on your CarFax. Something minor like dents and scratches is unlikely to affect the resale value, especially if it was professionally fixed.