2013 Sedan damage

[big_mike_1441]

My empty car got backed into when it was parked on a relatively busy street in Philadelphia a couple weeks ago. I noticed it at least a day late anyway. I have been hesitant to drive it at all because it makes a weird scraping sound ( I think the inside of the car part that is around the wheel, I think it is now touching the wheel and make s a scraping sound ). I guess I should bite the bullet and get it worked on...

1. The vehicle that backed into my vehicle must have been a city vehicle with the yellow paint. Is the insurance company going to give me a hard time (Even though it wasn't my fault) and jack up my premiums?

2. What does it look like the damage would cost -ballpark. Im no expert but it looks like at least 2500 bucks to me? Any expertise here would be great - I realize it is just a picture so I don't expect that someone can actually diagnose anything wrong with the vehicle.

[Stealthee]

It should be a comp claim so it shouldn't affect your claims, but who knows, insurance will find any reason they can to charge you more.

[shorod]

Are you aware of any businesses or homes in the area that have security cameras which may have captured the collision?

[fredjacksonsan]

Apologies for being late to the party. Did you get your car fixed already? Scraping sound- looks like the wheel well shielding material has come loose.

This is an uninsured motorist claim. Your car was hit by an unknown vehicle while it was parked. If it was legally parked, you have zero liability and it should not affect your rates.

I am not sure of Pennsylvania's insurance laws, but this will either be covered under your uninsured motorist, or your collision coverage.

As mentioned above, if there is some sort of camera that caught the accident, you may be able to make a claim against whoever did it.