Can I be penalized for someone hitting my uninsured parked car?
Question Details: I was parked on the street outside my mom's house and someone fell asleep and smashed into the front of my car totaling it. Can I do an insurance claim since the guy who hit me had insurance or will I get in trohble even if my car wasn't being driven?
If the police or authorities become aware you had no insurance, you could get penalized (i.e. fined) for that, but that is a wholly separate issue: putting in an insurance claim or even suing the other driver in civil court will not automatically result in a ticket.
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