Does car insurance cover damage in car parks?
Whilst most drivers will claim against their car insurance in the event of a car park accident, you may find yourself subject to a claim if someone is injured, or if their property is stolen or damaged. So your policy must include public liability insurance, protecting you against these types of public claims.
What happens if someone hits your parked car?
If you were the driver that caused damage to a parked vehicle, your insurance will step in to cover the other car’s damages after you pay the deductible. If your car needs repairs as well, you’d need to have collision insurance for that to be covered. Will insurance rates go up after someone hits your parked car?
What causes damage to cars in parking lots?
Damage to cars in parking lots frequently occurs when no other vehicle is involved, or the other driver does not remain at the scene. It could be a single-car accident in which you bump into an object such as a shopping cart, or if you open a car door and hit a vehicle parked next to yours.
Who is at fault in a parking lot accident?
There is a set of guidelines that police and insurance companies use to assign fault in parking lot accidents. Here are some of those: If you are driving behind a car and hit that car from behind, you will most likely get the blame.
How often does a hit and run happen in a parking lot?
Allstate insurance ran the numbers and found that roughly 69 percent of their hit and run claims involved parked cars. In Colorado for example, a whopping 70 percent of hit and runs in Denver involved parked cars while in Fort Collins the number was 84 percent.
If you were the driver that caused damage to a parked vehicle, your insurance will step in to cover the other car’s damages after you pay the deductible. If your car needs repairs as well, you’d need to have collision insurance for that to be covered. Will insurance rates go up after someone hits your parked car?
Allstate insurance ran the numbers and found that roughly 69 percent of their hit and run claims involved parked cars. In Colorado for example, a whopping 70 percent of hit and runs in Denver involved parked cars while in Fort Collins the number was 84 percent.
How many people die in parking lot accidents?
These accidents result in roughly 500 deaths and over 60,000 injuries. Distracted driving probably plays a major in parking lot accidents, slower speeds in parking lots may make drivers feel more confident sending a quick text but it’s always dangerous to take your eyes off the road.
What should I do if I have a car accident in a parking lot?
Write down the license plate number and take a photo of the damage if you have a camera or smartphone with you. Call the police. Depending on how extensively the car has been damaged, you may want to involve the police. They’ll document the accident and they can help you find the other car’s owner.