telephone icon(410) 312-7800
mcfarlin logo website preheader
Business Personal Bonds Benefits

cParking lot accidents are not uncommon. In fact, they are one of the most common types of claims for fender benders. However, they often occur on private property and, in some situations, that can change who is responsible and whether or not your auto insurance could cover the costs. Every situation is different, but in many cases your car insurance may cover the costs associated with these accidents.

Can Car Insurance Cover Your Parking Lot Accident?

Whether or not auto insurance provides this protection generally comes down to the type of insurance you have. If you have only liability insurance and you are responsible for the accident, the plan is unlikely to provide you with any protection. If you are responsible and have collision insurance, on the other hand, you could gain this type of protection (in most cases).

In situations where you are not at fault, such as another car or truck causing the damage to your vehicle, that driver’s insurance becomes the responsible party in most states. For this reason, you’ll need to obtain the details about the other driver’s insurance. Be sure to see their insurance card, get their identification information, and, in many cases, file a police report.

What happens when the accident occurs and no one is around? Unfortunately, these situations happen often. Your first step is to file a police report to make your claim. You should then work with your auto insurance provider who may help you to determine if anyone can be held responsible. For example, there may be video cameras that can be used to help identify the person who caused the accident.

Keep in mind that fault is determined in a parking lot in much the same way as it is on the road. Here are a few common rules for parking lots:

  • Stop signs are not required throughout them, but it is expected that drivers can make a full stop prior to entering a pathway from a turn.
  • Pedestrians always have the right of way.
  • The person entering or exiting a space or aisle first is generally given the right of way.
  • Directional signs can provide information about who has the right of way as well.

The police should help in identifying who is at fault in most cases. However, it is up to you and your auto insurance provider to file the claims associated with your damages.

Make sure you understand the details of your coverage. Call McFarlin Insurance Agency at (410) 312-7800 for more information on Maryland auto insurance.
Posted 5:50 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010

View Mobile Version
Connect With Us: Social Social Social Social

Visit Us

McFarlin Insurance Agency, LLP
8325 Guilford Rd, Suite A
Columbia, MD 21046

Phone: (410) 312-7800
Fax: (410) 312-7808

Site Links

About Us
Business Insurance
Personal Insurance
Customer Service
Contact Us
Powered by Insurance Website Builder