Quote:
Originally Posted by MajorCaptSilly
Since you were parked, it should be covered under comprehensive which shouldn't raise your rates. A bumper will be more than $250 I imagine.
MCS
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Unfortunately, Collision damage is not covered under Comp.
Comp is for vandalism/falling objects, etc. Vandalism meaning if someone keys your car, etc. Comp also covers theft/fire.
If the damage was caused by what appears to be something having collided with your car, specifically a moving vehicle or object (even a grocery car would be considered collision by most carriers), you won't be afforded coverage under comp.
Since you were parked and unoccupied, liability will not be assessed and as such, most carriers will not consider this a surchargable accident. If you happened to be in it and moving, then I would be concerned with rate surcharges.
I would follow Pete's advice and see if any video to see who did it as will make it easier for your insurance company, should you happen to carry collision coverage. By identifying the culprit, you can get your deductible back or have them pay it directly via their carrier. If you don't have collision coverage, you are unfortunately on your own.
BTW, the aforementioned does not come as result of sleeping at a Holiday Inn.
28 years of Claims Manager experience.