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A Guide to Parking Lot Car Accidents You will get information regarding the do’s and don’ts after a car accident in a car park. And through this, you know that you are not breaking any law while protecting your finances. You may not believe it but in every 5 car accidents, 1 of it happens in parking lots. Despite the fact that most of them are only minor fender bender accidents, drivers don’t know how they must handle this situation and wonder whether they need to report it to police, inform their insurer and so forth. There are plenty of questions running on their minds and is involving these accidents. The truth is, parking lots are private properties and its unique set of right of way guidelines differentiates it from the other kinds of car accidents. In cases that are involving parking lot accidents, you will be able to discover the insurance that must be considered.
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Number 1. Insurance cover – and due to the reason that parking lots are deemed as private property, all accidents that have occurred here will be under preview of special type of insurance policy, which is referred as collision insurance. This policy is what will keep you covered whether you’re the one at fault or not. Say for example that you’re the one at fault, it is your insurer who will pay for the damages. If you’re not the one at fault, you can file for a claim, seeking reimbursement for the repair costs. On the other hand, before payments are disbursed, your insurer might have to investigate first on what had happened and who was exactly at fault. The compensation that you will get will largely depend according to their findings.
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Number 2. Determination of fault – there’s set of rules in order to determine who’s the person at fault when car accident happened in parking lot. Some rules are universal like for instance, if you hit another car from behind, you’re the one at fault. Some are uniquely applied to parking scenarios like for example, when you overlook a stop sign and strike another car from behind or has violated right of way guidelines for cars entering bigger paths from feeder lines. Number 3. Car insurance premium – you’ll have to pay for a higher premium if your insurance provider finds that you’re the one at fault of a parking lot car accident. On the other hand, you can bypass this rate in case that your policy includes accident forgiveness clause and if it is applicable to the situation you are in. Taking note of legal ramifications of the accident is important regardless of where it took place.