How to get compensation for damage to your car in the yard

Even a properly parked car is not immune to dents, scratches and broken windows. For every car owner, this is not only damage to expensive property, but also great losses. What to do if the car was damaged in the parking lot or yard, in what cases compensation is due and how to get it in 2025, tell "Izvestia".

How to get money from the fall of snow on the car

In winter, damage most often occurs as a result of falling snow or ice from the roof during the period of low plus temperatures, as well as when cleaning the area with a janitor or using snow removal equipment.

To recover damages, the car owner should immediately call the police to confirm the accident. Before the police arrive, take as many photos and videos as possible to prove what happened and the consequences. General shots from different sides of the car and the building with a clear image of the house number and street name will not hurt.

A request should also be sent to the management company. You can find out its contacts through the state portal "GIS Housing and Utilities" at the address of the house. A representative should come to the specified place and draw up a corresponding act. If the car was parked near an organization, for example, a gas station or a supermarket, then the claim should be sent to the owner of the building. If the claim is denied, you will have to go to court.

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You can cover losses from fallen snow (billboard, tree, power pole) with a hull insurance policy. The insurer will pay compensation, and the money itself will demand from the perpetrator. Under the MTPL policy it will not be possible to receive payment, since the damage is compensated only to the participants of the accident.

To avoid repeating the situation, for parking it is better to choose places away from balconies, roof overhangs and tall trees, as well as, if possible, leave the car on the road with a wide carriageway.

What to do if your car is hit by another car in the yard

The case is different if the car in the parking lot or yard was damaged by a passing car. An incident involving another road vehicle in the process of driving is qualified as a traffic accident. In such cases, it is necessary to call the traffic police.

Inspectors will record the fact of damage and draw up a report on the accident. After that, they will issue a certificate of the accident, which will be required to apply to the insurance company. Act promptly to meet the deadline.

In this case, move the car or leave the scene of the accident before the arrival of traffic police officers is not worth it, unless the car does not prevent the passage of other vehicles.

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What to do if the car is scratched by a neighbor

There are times when the damage to the car is intentional, for example, by a pedestrian or a neighbor. The most obvious evidence of intentional damage is broken headlights or mirrors, removed wipers, damage to the paintwork. These actions fall under criminal liability as damage to another person's property.

If such damage is found, the car owner should immediately contact the police. Witness testimonies, photo and video recordings, including those from DVRs and CCTV cameras, will be an additional advantage in establishing the identity of the perpetrator and obtaining compensation.

If you have a CASCO policy, you should contact your insurance company. They will tell you what documents you need to collect to repair the car and pay compensation. The same way should be done if the car was damaged accidentally - by a scooter, a baby stroller or the open door of a parked car.

Earlier "Izvestia" told about the new rules of vehicle registration in the traffic police from March 1