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What kind of auto insurance coverage would cover a car hit in a parking lot?

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Apr 20, 2020

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Parking Lot AccidentIf a car is hit in a parking lot, the kind of auto insurance that would cover you in most cases is your own collision insurance coverage.

If you do not have this type of coverage, you may be able to benefit from the liability portion of the other person’s insurance policy, if he or she is deemed to be at-fault.

Parking lot accidents are very complicated, especially when trying to determine the party at-fault. Because parking lots do not usually have hard and fast traffic rules, accidents that occur there are typically hotly contested.

Read on to learn more information about what happens with auto insurance coverage when there is a car accident in a parking lot. Also, be sure to enter your zip code above to compare free insurance quotes online from many top companies!

The Roles of Different Types of Auto Coverage

Liability coverage is for injuries to another person or damage to another party’s vehicle. Uninsured motorist coverage will take care of bodily injuries you may incur because of another person who is uninsured or in the case of a hit and run.

Underinsured motorist coverage gives you the same protection for those cases where the person’s liability coverage is insufficient to cover the losses you have incurred.

Collision coverage pays for the cost of repair or replacement of your vehicle following an accident that occurs during the use of your vehicle, especially when you are at fault or if there is no third-party liability coverage to claim against.

Comprehensive insurance coverage pays for losses that occur for other reasons like fire, theft, vandalism or storm damage.

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The Variables Involved in an Accident

Depending on what type of accident actually occurs in the parking lot, you may find that it is easy and clear cut or very complicated and difficult to get claims paid. As long as you carry the right types of coverage, which should be covered in a full-coverage policy, you should be adequately protected. Here are some scenarios that might occur:

If your vehicle is damaged in a hit and run accident in a parking lot, you need to make a claim against your collision coverage. However, if there were bodily injuries involved you also need to involve the uninsured motorist portion or personal injury protection part of your coverage.

If the accident was clearly your fault or if you were as responsible as the other party involved, you will likely need to make a claim against your own collision coverage in order to be covered.

If another car backs into you, hitting your car, it is likely that he or she will be deemed the one responsible. Such situations are clear cut, even in a parking lot. His or her liability insurance coverage should pay for the damages you have received to your vehicle and any bodily injury that you have suffered.

If your vehicle is hit with something other than another car, you may find that the resulting damage falls more clearly under the category of vandalism or even storm damage. Claims resulting from vandalism, storm damage and other perils that are out of your control are handled through a comprehensive insurance policy.

The Steps to Take Following a Parking Lot Accident

If your car is hit in a parking lot, make sure there are no injuries and contain the situation in order to prevent further damage. Immediately look for witnesses who may have seen what happened. Collect names and contact information. Contact the police so you can make a report and have an independent 3rd party involved. Take as many pictures as possible before moving vehicles. Luckily, with cell phone cameras everywhere, it is easy to be able to take pictures of the situation.

Get information from the other party including contact information, phone number and insurance company and policy number if there is a third party involved. If he or she should flee before the police get there, you will at least be able to track him down. Make notes of as much information concerning the conditions at the time as possible. Note time, date and weather conditions.

Report exactly what happened in the parking lot as soon as possible to your insurance company and the owner of the parking lot. By doing so, you will have the most accurate version possible. You forget increasing amounts of information related to events as time passes. This report will also prove to be an important document for the car insurance company during the claims process.

Collect all the data possible concerning the accident and you will have a better chance of a speedy claims process. Fill out the claims forms thoroughly and submit them soon after your incident, for the best possible results.

If you are unsatisfied with your claims following a parking lot incident or are in the market for car insurance, start now by shopping around using a free online quote tool for multiple car insurance quotes at the same time.

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