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Damn, that really sucks. I would still submit it to insurance though. You may still have a deductible but someone will probably come and look at your car to get an estimate done, but shouldn't be an issue to claim. This has happened to me a few times before when I lived in Pittsburgh. My car would be parked at a bus terminal and when I would get back later in the day some idiot would of hit me. Insurance still covered it since it was an accident that was not your fault, and since you were not even in your vehicle when it happened it will not raise your rates at all.
Thats one thing that is always on my mind after putting more money into my car though. No matter where you go you are going to have a-holes and incompetent drivers and you are usually the one stuck holding the bill. I live in a center city area also, so its all street parking. Everyday I get up I check my car for dents and dings. Very un-nerving.
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