Quote:
Originally Posted by Mikes350z
Someone rear ended me and drove off when I was parked in an apartment complex lot(different story) point is, like my situation if this is vandalism/no fault your insurance will cover you without using your deductible since you were not at fault and not in the car. Police report and then call insurance. You should not have to pay your deductible and your rates will not increase.
speak to insurance company.
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The 0 deductible depends on the state. Just like glass damage from rocks and stuff hitting your windshield, some states don't require a deductible for that. For example when I lived in MD in their state when it's vandalism or hit an run your deductible is cut in half but still charged.