Parked Car Got Hit, minor Damage. Report to cops?

Jun 20th, 2019 12:24 pm

#1

whatsinaname [OP]: Deal Addict; Nov 11, 2004; 1641 posts; 437 upvotes; Woodbridge

Jun 20th, 2019 12:24 pm

Parked Car Got Hit, minor Damage. Report to cops?

My car was hit in a plaza while I was inside, slight damage to bumper. No witnesses, and cameras have no view of my parking spot. There’s no way I could tell who hit my car. Should I bother reporting this to the collision centre in Ontario? Damage doesn’t seem to be major, it’s under $2000 for sure.

Based on my research, the reason I should report it seem to be in case the other party comes and reports me saying I hit him/her.

I’m worried that this might affect the insurance

Last edited by whatsinaname on Jun 20th, 2019 12:39 pm, edited 1 time in total.

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Jun 20th, 2019 12:32 pm

#2

MoxGoat: Newbie; Feb 7, 2017; 74 posts; 68 upvotes

Jun 20th, 2019 12:32 pm

if you're deductible is $0 sure but you should have filed a police report right away. IMO sh** happens and expect cars to get beat up in a parking lot. Personally if the damage is purely cosmetic then I would not bother doing anything. Is the bumper steel or fibreglass? Might want to do a DIY if it's steel to make sure it doesn't rust up on you

Jun 20th, 2019 12:40 pm

#3

whatsinaname [OP]: Deal Addict; Nov 11, 2004; 1641 posts; 437 upvotes; Woodbridge

Jun 20th, 2019 12:40 pm

I meant reporting to collision centre. I’m not going to report to my insurance. My deductible is $1000 so no point in going through insurance

Jun 20th, 2019 1:36 pm

#4

AlicW93740: Sr. Member; Sep 25, 2018; 916 posts; 1798 upvotes

Jun 20th, 2019 1:36 pm

Unfortunately there is nothing you can do. You can report to the cops, they wouldn't do anything either.

Jun 20th, 2019 1:41 pm

#5

katonfire: Member; May 27, 2011; 457 posts; 281 upvotes; NORTH YORK

Jun 20th, 2019 1:41 pm

The same situation happened to me couple years ago. I was on the hooked for the deductible.

Jun 20th, 2019 1:43 pm

#6

Webhead: Deal Fanatic; Sep 7, 2004; 7162 posts; 3629 upvotes; West GTEH!

Jun 20th, 2019 1:43 pm

whatsinaname wrote: ↑ My car was hit in a plaza while I was inside, slight damage to bumper. No witnesses, and cameras have no view of my parking spot. There’s no way I could tell who hit my car. Should I bother reporting this to the collision centre in Ontario? Damage doesn’t seem to be major, it’s under $2000 for sure.

Based on my research, the reason I should report it seem to be in case the other party comes and reports me saying I hit him/her.

I’m worried that this might affect the insurance

Sorry to hear about the hit & run in the Plaza. Sometimes crap like this happens.

If you think the other Driver might go after you for damages, then report to Collision Center and Police, just in case.

Jun 20th, 2019 1:45 pm

#7

peteryorkuca: Deal Fanatic; Jul 26, 2007; 6290 posts; 3794 upvotes; Toronto

Jun 20th, 2019 1:45 pm

Police at collision centre won't do anything when damage is under $2000

Jun 20th, 2019 1:55 pm

#8

ds2chan: Deal Addict; Dec 11, 2003; 2677 posts; 1235 upvotes; Toronto

Jun 20th, 2019 1:55 pm

whatsinaname wrote: ↑ Based on my research, the reason I should report it seem to be in case the other party comes and reports me saying I hit him/her.

peteryorkuca wrote: ↑ Police at collision centre won't do anything when damage is under $2000

The OP just wants to know if he/she should have the report on file just in case something happens in the future.

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Jun 20th, 2019 1:57 pm

#9

peteryorkuca: Deal Fanatic; Jul 26, 2007; 6290 posts; 3794 upvotes; Toronto

Jun 20th, 2019 1:57 pm

ds2chan wrote: ↑ The OP just wants to know if he/she should have the report on file just in case something happens in the future.

All he can do is call his insurance. Police won't do anything. I tried. Maybe they changed since last year.

Jun 20th, 2019 2:12 pm

#10

aznblade: Deal Addict; Mar 1, 2008; 1038 posts; 235 upvotes; Toronto

Jun 20th, 2019 2:12 pm

happened to me at a school's parking lot. got side swiped which i assumed the car went front end. cctv cameras didn't help and the security at the school said to **** off. asked my insurance if they can do anything, they say you can try to report it but probably won't be able to do anything. ended up paying the repairs out of my pocket.

Jun 20th, 2019 2:58 pm

#11

whatsinaname [OP]: Deal Addict; Nov 11, 2004; 1641 posts; 437 upvotes; Woodbridge

Jun 20th, 2019 2:58 pm

Thanks for the replies.

Just an update: went to the centre, and told them what happened. I said I didn’t want to go through insurance, just want to protect myself in case someone comes and blames me. Officer was helpful, gave me his contact information and date and time I was there.

Jun 20th, 2019 4:03 pm

#12

Ecsta: Deal Addict; Jan 17, 2009; 3807 posts; 3836 upvotes; Toronto, Ontario

Jun 20th, 2019 4:03 pm

The collision centre might report it to your insurance company so the ding is on your record anyway. Unless you want to go through insurance for repairs no point going to the collision centre...

Was reading through the last RFD thread on the same question: reporting-collision-center-after-accide ... e-1044652/