Originally Posted by BRM3D1NA

I handle [edit]filing[edit] claims for this and from my experience it will fall under collision coverage other party hit parked insured. You would most likely be found not at fault 0% liability but if damages amount to over $750 you will have to report crash to DMV. you will most likely be responsible for your collision deductible as most UM cases need a confirmation of non-insurance to be applied. But there are work around ds and you may get lucky with the deductible. As far as rate increases, it depends on the payout and if repair even exceeds your deductible.