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What Happens if You’re in a Parking Lot Accident?

March 29, 2011

parking lotUnfortunately, parking lot accidents can and do happen from time to time.   It’s important to realize that they can affect your car insurance premiums just as much as any other accident.   Parking lot accidents tend to be reported less frequently since they are usually relatively minor incidents, but they can be every bit as significant to your driving and insurance records.

Who’s at fault in a Parking Lot Accident?

Sometimes it can be difficult to determine who is at fault in a parking lot accident, since the rules of the lot are not as well known as the rules of the road.   In addition, if there are no witnesses it often comes down to one driver’s word against the other.   Here are some rules to help you determine who is at fault in a parking lot accident.

  1. Drivers in a thoroughfare (a lane that directly exits onto a road or highway) have the right of way over a driver in a feeder lane.
  2. A feeder lane is a lane in a parking lot that does not directly exit onto a road or highway, such as the lane between two rows of parked cars.   So, for example, if you were in a feeder lane turning into the lane that leads directly to the parking lot exit, you must wait for any traffic in that lane to pass before turning.

  3. Drivers leaving a parking space must yield to any other oncoming traffic.
  4. You must wait for all traffic to pass before pulling out of your parking spot.

  5. If you are driving your vehicle, you are automatically at fault if you collide with a legally parked car.
  6. No matter the circumstance, if you hit a legally parked vehicle, you are at fault.   On the other hand, if the car is parked illegally, the driver of that car could be at fault.

  7. You must follow all signs in the parking lot.
  8. You are automatically at fault if you are in an accident as a result of failing to follow the directions of a traffic sign in the parking lot such as a stop or yield sign, or if you fail to follow the directions of a police officer.

  9. If you hit the open door of a car, the driver who opened the door is at fault.
  10. It is the responsibility of the person opening a car door to ensure that there is no traffic approaching before they do so.

What should you do after a parking lot accident?

A parking lot accident should be handled the same as any other accident.   Any accident with over $1,000 in damage should still be reported to the police.

Some people choose to pay for the accident out of their pocket without informing their insurance company, but this approach can backfire.   Your insurance company is within their right to cancel your insurance policy if you fail to report an accident.   In addition, if you have a cancelled policy on your record, it makes it much more difficult to find affordable insurance at another company.   It’s better to be safe than sorry.

Most of the same rules about what you should do in the event of an accident on the road are still good guidelines to govern yourself if you are involved in a parking lot accident

  1. Move your vehicle out of the way of traffic if you are able and it is safe to do so.
  2. Pull over to a less trafficked area if you can, being careful to watch for oncoming traffic.

  3. Make sure that no one in your vehicle is injured.
  4. If there are any medical emergencies, you need to deal with these as quickly as possible.   If anyone is unconscious, call 911 immediately.

  5. If you feel it is safe to do so, approach the other driver to see if they are ok.
  6. Use your judgement to determine if it seems safe to approach the other driver.   Ask if they require any medical assistance.

  7. Report the accident to the police if the damage is over $1000.
  8. Most significant accidents will result in over $1000 in damage. If you’re in doubt, call the police (non-emergency number) and ask for instructions.

  9. Get as much information as you can.
  10. Your auto insurance company will need to know the time, date, and location of the accident, as well as the make and model of the other driver’s car.   Get as much contact information as you can from the other driver, including their insurance company and policy number, along with their name, address, phone number and email address if possible.   If there are witnesses, get as much contact information from them as well.

  11. Call your insurance company to report the accident.
  12. Your insurance company needs to know about the accident as soon as possible.   They can help with the arrangements to get your car repaired and start your claim started as soon as possible to get you the assistance you need.

Following the rules of the road (and parking lots!) is the first step in avoiding parking lot accidents.   If an accident does occur, make sure that you follow the correct steps in notifying the police and your car insurance company.   This allows you to get the matter settled as quickly and efficiently as possible and get back to your life.

  • Rachel Valdivia

    I have a question. I hit a sign that was sticking out to the parking lot from like 20 inches out. It was metal and it was vertically and at around 6 ft height. Was this sign legal? I broke my back window since I was backing off. Or I was not supposed to back off?

  • Nick – InsuranceHotline.com

    Hello,

    You’re best to speak with a City official for the signage rules.

  • nick

    a lady hit the right corner of my pickup as i was getting out of my truck and she hit the two passanger doors off the right corner of my truck. my truck was off and in park. she insists i was at fault but my veihicle was not on or in gear. how will the insurance company deal with this issue?

  • Nick – InsuranceHotline.com

    Hello Nick,

    You are best to discuss this with your insurance broker. They know the insurance company you are insured with and can answer this question.

  • DS

    In my subdivision of townhouses (Richmond Hill, Ontario), I backed out of my parking space and hit a car that was parked on the street (illegally. fire route, no parking zone). The driver was not in the car, but was at his door and saw it. The car was there before I got into my car, but for some unfortunate reason didn’t see it while backing up. The damage was very minimal (hardly anything on my car. and a few scratches and very minor fender dislodgement on his car). We exchanged information. Am I at fault? Do I need to pay for any damages to his car? Who should I contact to get credible legal information pertaining to laws of the town?
    Thank you.

  • Nick – InsuranceHotline.com

    Hello DS,

    Fault determination is based on rules as set out in the Insurance Act. Check the rules here: http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf.

    Thank you.

  • fereshteh

    Hi,
    I had an accident about 2 month a go in our company parking lot with a parked car.Her car is SUV and she had parked her car in the COMPACT AREA.at that time I put my information on her car after about 2 mont she came back to me with a 1000 $ bill(in fact there was just minor scratched on bumper)
    Am I at fault?after two month is it possible to go to the insurance?

  • Nick – InsuranceHotline.com

    Hello,

    You can make a claim after 2 months. If you live in Ontario, the driver of the SUV may have to go to her own insurance company in order to have her repair made.

    Thank you

  • stella

    I am in NB and it happened yesterday night.
    I parked the car in my apartment’s parking lot. Then back to my apartment. In the evening, my landlord hit my car when he use snow removal. My car has big damage , the lost absolutely more than 1000 dollars. My landlord admit it is his fault. But he said I should wait when he boss come back, then we can talk how to pay my lost.
    I don’t know how to do now. should I call the police or wait for his boss?
    By the way, I want to sell my car in the future, this accident will influence my price. Can i ask for pay my loss?

  • Nick – InsuranceHotline.com

    Hello Stella,

    You may want to consider reporting the accident with a collision reporting centre or the local police – to ensure there is a record of the accident.

  • Mary

    Hello,

    I got into an accident last Saturday. I was in the feeder lane going to turn left, I saw the car (in the thoroughfare lane) but she was far away. I proceeded to turn and she hit my back driver wheel. As I was reading your article it seems like it was my fault, but didn’t she have to yield? Due to the damage of my car it seems like she was speeding, my whole wheel is bent in. I have a employee that saw the whole thing. I called her insurance and reported it. The witness was in my favor saying that she was going way to fast and wasn’t paying attention. Now the driver says that I pulled out in front of her. If I pulled out in front of her wouldn’t my front end of the car be damgaged?

  • chris

    hello. i bumped into a vehicle while backing out a spot. i was basically inching out extremely slowly because a large suv was blocking my view to get a view. i was less than half way out and nudged a car that was trying to park next to me. zero damage to me, a scuff smaller than a dime for her. she reported it to police for some reason. is it likely that my rates will go up?

  • Erica

    I was in a similar situation as number 5 above, however it was not the drivers door that opened but the back passenger door that was opened. Would the person who opened the door still be at fault?

  • Jon H.

    hey i was just hit in a parking lot. I was moving on a main artery and the driver darted out with out a side lane with out stopping at all, causing damage to my front tire and possibly steering. I have a police report and a witness, but it was on mall property. What are my options?

  • Nick – InsuranceHotline.com

    Hi Chris,

    It depends on the insurance company; as each insurance company is different. Also, if you purchased accident forgiveness coverage, then you will be covered for your first at-fault accident.

  • Nick – InsuranceHotline.com

    Hi Jon,

    Your options are to go through your insurance company and submit a claim, or settle outside of insurance. However, your insurance policy states that you are required to report all accidents, regardless of the amount of damage.

  • Nick – InsuranceHotline.com

    Hi Mary,

    Your insurance company will send out an adjuster to view the damage to the vehicle. Explain the situation with the claims department and your insurance company will be able to help you out and determine fault.

  • Nick – InsuranceHotline.com

    Hi Erica,

    It will likely be the person who opened the door (or the vehicle owner) who is at-fault; however, please check with your insurance company.

  • Braxtro

    I was in an accident where the other guy obtained a 4 in scratch on his rear quarter panel and took over 2 months to get me a quote, this happened in the parking lot of a grocery store. Am I at fault or what are my options?

  • Wayne

    I was going in to park when the passenger door in the second row of the car parked beside me opened and crushed the panel above my driver side tire. Am I at fault?

    The vehicle was parked illegally and saw me wanting to park so he reparked. Driver exited the car and so did a passenger; the car was turned off. When he went to repark, the exited passenger stayed out. I assumed driver was the only one left in the car so I went in to park when I saw his brake lights come on. The impact happened as the nose of my car was approximately level with the line between the front and back doors. I was driving at barely 10 km/h. I stopped immediately.

  • InsuranceHotline

    Hi Wayne,

    In a parking lot accident, moving vehicles are typically found at fault; however, you will need to speak with your insurance company who will determine fault.

    Good luck.

  • InsuranceHotline

    Hi Wayne,

    In a parking lot accident, moving vehicles are typically found at fault; however, you will need to speak with your insurance company who will determine fault.

    Good luck.

  • InsuranceHotline

    Hi Braxtro,

    Based on the information provided, it sounds like you were at-fault. Check with your insurance professional for advice.

  • InsuranceHotline

    Hi Braxtro,

    Based on the information provided, it sounds like you were at-fault. Check with your insurance professional for advice.

  • concerned

    I was backing up to get a parking space and a driver not paying attention ran into the back of me am i at fault

  • concerned

    I was backing up to get a parking space and a driver not paying attention ran into the back of me am i at fault

  • InsuranceHotline

    Hello concerned,

    Typically, the driver who rear-ends a vehicle is at-fault; however in a parking lot accident, it can get tricky.

    Please speak with your insurance professional (broker/agent) who will be able to review the details of your accident.

  • InsuranceHotline

    Hello concerned,

    Typically, the driver who rear-ends a vehicle is at-fault; however in a parking lot accident, it can get tricky.

    Please speak with your insurance professional (broker/agent) who will be able to review the details of your accident.

  • Stressing out

    I was in an parking lot accident recently where I had a stop sign, I was crossing infront of an entrance that allowed you to either enter or exit. (My stop was closest to the exit lane) I made my stop and as I was crossing over infront of the entrance a vechicle entering hit me on my passanger door and slightly on my back passanger door. Am i still at fault even though I made the stop, was more than halfway on the other side and made sure it was safe before crossing?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Dear Stressing Out,

    There are many variables here that insurance companies will take into consideration. Please speak to your insurance professional (broker/agent) to start the investigation process.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Dear Stressing Out,

    There are many variables here that insurance companies will take into consideration. Please speak to your insurance professional (broker/agent) to start the investigation process.

  • curious

    I was backing out of the parking lot it was clear then the other party backed out and hit the my driver side rear end who fault is it?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Curious,

    Thank you for your question. Please review the IBC’s fault determination rules here http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

    If you feel you wish to dispute a fault determination, you can contact the General Insurance Ombudsman services at http://www.giocanada.org/

    I hope this helps!

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Curious,

    Thank you for your question. Please review the IBC’s fault determination rules here http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

    If you feel you wish to dispute a fault determination, you can contact the General Insurance Ombudsman services at http://www.giocanada.org/

    I hope this helps!

  • Need your help S

    So I was entering a parking lot and there’s about 12ft space before you reach a 4way intersection and there are no stop signs at all. I slowed down before making my right turn since the car from my left side was about 2 or 3 cars away from their intersection. Next thing you know my car was struck. Who is at fault?

  • InsuranceHotline

    Hello,

    That’s unfortunate. It is best to speak with your insurance representative, who will determine fault.

  • InsuranceHotline

    Hello,

    That’s unfortunate. It is best to speak with your insurance representative, who will determine fault.

  • Alanea

    I was just Ina parking lot accident. To me it seems a 50/50 situation. We we backing out of diagonal spaces going opposite directions and the collision point was corner to corner. We met in the middle of lane. My bumper on my little Honda crv flexed with no damage but his Cadillac bumper did not fare so well. To top it off this guy is a friggin lawyer. We share the same insurance agent and because it was on private property police wouldn’t do anything but tell us to exchange info. Since we met in the center of the aisle, we were both backing out, and it was corner to corner damage, the police said it would probably be consider both at fault or none at fault. How does this usually work?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Alanea,

    Parking lot accidents consider many variables. Speak to your insurance claims adjuster – as they will be the ones determining fault. If you would like to read up on the Insurance Bureau of Canada’s guide for fault determination, its always a good thing to check out. Here is the link http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

    Good luck!

  • half way parked

    I was entering my parking spot at school but half way in I noticed I am not in the right angel so I backed up about a feet and suddenly I saw that I hit other student car that tried to drive around my car and just stopped when saw me backing up. I was not even parked half way parked. I would assume if you are driving and see a car trying to park in front of you, you need to slow down before you get to it and not just try to drive around it. Who is fault here?

  • half way parked

    I was entering my parking spot at school but half way in I noticed I am not in the right angel so I backed up about a feet and suddenly I saw that I hit other student car that tried to drive around my car and just stopped when saw me backing up. I was not even parked half way parked. I would assume if you are driving and see a car trying to park in front of you, you need to slow down before you get to it and not just try to drive around it. Who is fault here?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello half way parked,

    Parking lot accidents involve many variables.
    Please speak to your insurance claims adjuster as they will be the ones investigating the fault rules.

    You can view the IBC’s fault determination rules for yourself for some insight here – http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

  • Name

    I wa backing up and had come to a stop ready to go forward but had not done so when a women backs up and hits door on the dirver side of the car. Alberta law says that regardles of what happened the fault is 50/50 even though she clearly ran into me. she had the last opportunity to avoid the accident. Why am I sharing the blame when I had not opportunity to avoid the accident?

  • Name

    I wa backing up and had come to a stop ready to go forward but had not done so when a women backs up and hits door on the dirver side of the car. Alberta law says that regardles of what happened the fault is 50/50 even though she clearly ran into me. she had the last opportunity to avoid the accident. Why am I sharing the blame when I had not opportunity to avoid the accident?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello,

    You are best to speak to your claims adjuster as they would be the ones doing the investigation. You can also view the IBC’s fault determination rules here http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello,

    You are best to speak to your claims adjuster as they would be the ones doing the investigation. You can also view the IBC’s fault determination rules here http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

  • Rebecca

    I hit a parked car in a parking lot of my son’s school in December of 2012. I left a note on the car to explain what happened. It is now late June and the woman is coming to me with a 1,200 dollar estimate from her husbands auto body shop. What are my options. It just seemed like a scratch I had no idea it would amount to 1,200 dollars in damage. I also didn’t report it to my insurance company. I asked to to get another estimate from a shop that wasn’t her husbands and she said she wouldn’t.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Rebecca,

    I’m not sure if you took photos of the damage or not… if you did, this could help. Regardless, you could speak to the police reporting center along with your claims adjuster as they will be the ones determining fault. If this is your first accident, you may have an endorsement called accident forgiveness on your policy, so its a good idea to find out from your insurance professional (broker/agent) if you have this coverage on your policy.

    I hope this helps.

  • Rupert

    I agree. Most of parking lots are congested and with the dynamic type of traffic.

    Accidents are prone on these areas. However, most of the accidents here are light accidents.
    Keeping your cool is always the key.

  • ron

    My Honda CRV was parked in parking lot and was hit by another backing car.The driver agreed to pay cash for the repairs which looked like minor scratches on back bumper and back trunk door.The written estimated cost of the repairs is almost 1700$ and I am worry the driver will want to make several payments or not to pay..what is the deadline to report this type of accidents? I live in Ontario.
    And what to do in case the driver makes only some payments and refuse to pay the rest ?

  • dina mitchell

    I was recently in a parking lot accident. The other car wasn’t damaged and my car has a medium sized dent in it. Is it really necessary for me to file a claim and have my insurance get spiked up or is it alright for me to just handle the dent myself and come out of pocket?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Ron,

    With that much, you may want to re-think waiting and go through your insurance company… this is up to you. If you have the other drivers information you can move forward with reporting.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello dina,

    I’m not sure what you are looking for here.. what exactly is your question?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Dina,

    It is up to you whether or not you file a claim. it also depends on whether the other driver is filing through their company… if they do, your company will likely find out. It depends on fault. Take a look through the IBC’s fault determination rules http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

  • Cathy

    I live in Ontario and last week while opening my car door to exit the vehicle, my door hit the car beside me. The driver was in the car and I apologized. He then followed me saying I had chipped his car. We went back to look at it and as the damage was very minimal I offered to send him to a body shop and have it repaired at my expense. He went to the dealer and got a cost at more than double than my body shop and claimed there was a dent as well as the chip. The dent was not there when we looked at it. Am I obligated to pay the cost he wants or should he accept my offer. His car is newer and still under warranty.

  • alyssa

    my brother borrowed my car and accidentally backed into someones car at night, the car was parked illegally behind a dumpster, my car got nothing but her car got a little dent. she wasnt parked in a real spot. Im freaking out because i wasnt even drving, but i still need to do a calim. What will be happening to me

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Cathy,

    If the other driver contacts his insurance company, your insurance company will likely find out.
    This is a personal decision on your part.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Alyssa,

    When you lend your vehicle to another driver, you are in a sense lending your insurance policy also, so it would be your coverage and policy that kick in if an accident occurs. Typically, the driver of the moving vehicle is considered at fault. You can take a look through the IBC’ s fault determination rules here: http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf
    You could also speak directly to your claims adjuster to find out how they will be determining fault.

  • SD

    My wife was driving 10k or less in a parking lot lane when a guy came driving through a parking spot and t – boned her (He was not parked, he drove right through). Damage to driver side fender and door. Truck is 2 weeks new and this is at least $5000 damage. The officer said rules of the road don’t apply in parking lots but the other driver is totally at fault. He put that in his report. The question is, how does the insurance company see this.

  • Shannon

    I have a question about parking lot accidents. I was in a travelling lane waiting to turn left into a feeder lane. There are two lanes of traffic in each direction in the travelling lanes so I had to cross two lanes of traffic to make my turn. An SUV stopped in the lane closest to me to let me through because traffic was bad and the other lane I couldn’t see as well. When I thought I was safe to make a quick turn a car came speeding up the far lane and I tried to brake but hit her. Now I keep hearing that in parking lots you cant be at fault and basically she is on her own to repair her car and I don’t have to pay for her repairs. But I know on the rules of a regular road because I was making a left hand turn that automatically puts me at fault. Which is true?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello SD,

    You are best to discuss with the adjuster. But here’s what the Insurance Bureau of Canada’s fault determination rules state.

    RULES FOR AUTOMOBILES IN PARKING LOTS
    16. (1) This section applies with respect to incidents in parking lots. R.R.O. 1990, Reg. 668, s. 16 (1).
    (2) The degree of fault of a driver involved in an incident on a thoroughfare shall be determined in accordance with this Regulation as if the thoroughfare were a road. R.R.O. 1990, Reg. 668, s. 16 (2).
    (3) If automobile “A” is leaving a feeder lane and fails to yield the right of way to automobile “B” on a thoroughfare, the driver of automobile “A” is 100 per cent at fault and the driver of automobile “B” is not at fault for the incident. R.R.O. 1990, Reg. 668, s. 16 (3).
    (4) If automobile “A” is leaving a parking space and fails to yield the right of way to automobile “B” on a feeder lane or a thoroughfare, the driver of automobile “A” is 100 per cent at fault and the driver of automobile “B” is not at fault for the incident. R.R.O. 1990, Reg. 668, s. 16 (4).
    (5) In this section,
    “feeder lane” means a road in a parking lot other than a thoroughfare;
    “thoroughfare” means a main road for passage into, through or out of a parking lot. R.R.O. 1990, Reg. 668, s. 16 (5).

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Shannon,

    Typically the driver making the left hand turn is considered at fault, however, you should speak to your claims adjuster directly as they will be the ones determining fault for your situation. Here is a link you may find helpful:
    http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

  • john

    I was in a parking lot accident 2 weeks ago, i turned out of my stall and turned the corner to drive down the isle to the exit, and as i was driving down (exit in sight) a car pulled out of their stall, I didn’t see them pull out and hit their front right side of the car. We exchanged phone numbers, but the other person waited 2 weeks to ask me about if my insurance will pay for the damage. Looking at both cars, we both had same amount of damage, maybe mine more. I am just wondering if it is my fault? or theirs? do i have right of way? or should we both be at fault?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello John,

    Parking lot accidents can be tricky. You are best to speak to your claims adjuster directly as they will be the ones determining fault. Here is a link to the IBC’s rules regarding fault determination for Canada. You might be able to find your situation. http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

  • jim

    During a windy day my car was struck by a garbage drum at a Walmart. Should I claim with my auto insurance, Seems they should pay with their civil liability and not though my auto insurance.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Jim,
    You will likely need proof that the garbage drum was in fact what struck your vehicle. You can speak to Walmart as well as your insurance professional directly.

  • hilson

    My daughter was involved in a parking lot accident – young and inexperienced. We reported to insurance. Now – 4 months later we received letter that ocupant of vehicle wants to sue. I this covered under insurance?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Hilson
    You are best to check with your insurance professional as they will know the coverage that you have on your policy.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I am sorry but unfortunately, since you were moving and the other vehicle was parked, you will be at fault for the damage.
    I am sorry but you will likely have to go through insurance.
    Good Luck

  • Poor college kid

    So I was driving out of a parking lot was about to turn left but couldn’t see due to parked cars in my way. I cautiously inched closer and a mustang came down pretty fast and hit me completely ripped off my front bumper and barley dented his. At that time I was in the process of fixing my insurance because apparently they had the wrong vin number of my car so I told him I would pay for the damages, but was it really my fault should I pay to have his car fixed????

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Most of the time, the driver making the left turn is considered to be at fault.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    The fault determination rules state that this would be 50%at fault. If you really don’t agree then you could contact the ombudsperson for your insurance company. You can usually find it on their website. If not, ask the adjuster for the contact information.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    With most insurance companies, this would be considered a “hit & run” which you must report to the police. If it is a “hit and run” you will have to pay your collision deductible and the damage will be not at fault.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    Yes, you can report to the police. You have the licence plate of the person who left the scene.

    thank you

  • Sherr

    I was in a parking lot accident. I was backing out of diagonal space. Did all I should do, look both ways, rear view mirror, back up camera and looked over shoulder as backing up! They were going wrong way in a one way parking aisle. They admitted fault and witness verified. My insurance is saying I will be 100% responsible. How is it the other driver has “no fault” when they were going wrong direction? Can I fight this and how?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You can try and fight it but given that you were the driver who was reversing it is likely that you will remain at fault. You can discuss the options with your insurance adjuster. They should let you know their process.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Your employer can make a claim with his insurance company. I don’t believe that he can “make you pay out of pocket”
    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You can try to contact the owner of the van again. See what they want to do.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Since you were reversing and made contact with the other vehicle that was not moving, you will likely be found to be at fault for the accident.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Yes you can still submit a claim. You will likely be found to be at fault since his vehicle was stopped.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    As you were reversing, it may be that you are at fault. Best case it might be a 50/50 split.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You can still report the damage and your suspicions to the police. They should be able to advise you of what to do next.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I am not sure what the laws are where the accident occurred but in Ontario there are “fault determination rules” which apply at the time of claims settlement.
    You can find those under the insurance act. or click here http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If your vehicle was legally parked. She is likely 100% at fault. check with school to see if there is security video to help prove your innocence.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Yes, it is likely that it is a 50/50 split of fault.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    This could be considered a vandalism claim and it would be paid out under the comprehensive section of your policy if you had purchased that coverage.

    Thank you

  • sunny

    ‎Yes but I still have to pay the $500 deductible?

    Sent from my BlackBerry 10 smartphone on the Bell network.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Unfortunately, yes you will have to pay your deductible.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Most of the time the driver who is making the left turn is considered to be at fault.
    If there are no witnesses the insurance company decide it is a 50/50 split on fault.

    Thank you

  • penelg

    Was in a parking lot accident I was backing up to let a big boat through and a girl pulled out brake lights were on as she seen me backing we hit I got out of my vehicle and checked hers there was a fog light cap broken only she was in a hurry and did not want to call police 5 days later she calls me and tells me her bumper is cracked and she is making a police report the part where her bumper is cracked is not even on the side that was hit I told her I would pay for the fog light cap and nothing else what should I do now the police just called and I have to make a report is this legal I think she is trying to get a whole new bumper through my insurance when this bumper crack could of happened afterwards

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I hope you took pictures of the damage. That will help.

    Make a police report and provide your side of the story.

    Thank you

  • Sarah

    I was backing out of a parking stall and was hit by
    another car that was backing out. I had completely backed out to my right, and was straightening my wheel. I was in my lane. I was hit on the back side of the driver’s side by her car. I was perpendicular to the parking stall when I was hit. She hit me. I didn’t hit her. She immediately apologized to me. Is this a 50/50 situation?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    In most cases in a parking lot especially when both parties are reversing (or partially reversing).

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You should double check with your insurance company to see who would be considered at fault. Most of the time the driver who is reversing is considered to be at fault.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    My suggestion would be for you to contact the ombudsperson at your insurance company. You should be able to find their information on the company website or you can ask your insurance adjuster for it.

    Thank you

  • Jay

    Hi,
    I was wondering if anyone can help me.
    What happens when someone says you had scratched my car while I was parking and he wasn’t in his car. There are no witnesses or even himself saying he heard it but didn’t think that. Only there is a plaza security camera shows the front of both cars but no bumping or accident what so ever. Now his Mercedes is scratched a lot but there are no scratches on my car other than ever little old scratches which he is blaming it on that… So now he is threatening insurance and stuff.. Should I give him my insurance or what’s best option. Hppely someone can help.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If he makes a claim that you hit his vehicle, you will need to defend yourself. Provide your insurance company with the video footage and have them make the fault determination.

    Good luck!

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    unfortunately, unless there is video showing the accident you might not have any recourse.

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