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Parking Lot Accidents and Your Insurance

February 13, 2014

parking lot accident Parking lot accidents are often simple fender benders, but they happen fairly frequently. Many drivers are confused when it comes to an accident in a parking lot and how the insurance company will handle it; this confusion is often due to the fact that a parking lot is private property and is viewed as having a unique set of right-of-way guidelines.

Does Insurance Cover You in a Parking Lot?

Your insurance policy may cover you for an accident occurring in a parking lot as long as you have the appropriate coverage. If you don’t carry collision insurance, for example, you may not have coverage for damage to your own vehicle if you are found to be at fault in the accident.

Insurance applies equally to an accident on private property such as a parking lot and on public streets. Your insurance company will handle the claim in much the same way; investigating what happened, determining who was at fault, and paying out damages accordingly.

How Is Fault Determined in a Parking Lot?

As with any other situation, there is a set of rules that are applied to determining fault when an accident occurs in a parking lot. Some of the rules are similar to those you would expect anywhere else – if you strike another vehicle from the rear, for example, you will likely be found at fault.

Some of the rules however, are unique to parking lots. There are few other locations where cars are likely to back into each other. The aisles of a parking lot may or may not have stop signs, and may also be one-way or two way. Some are considered to be the main thoroughfares of the parking lot, and cars entering these larger paths from feeder lanes are expected to give up right of way to cars already travelling through them. Even if no stop sign exists, vehicles are expected to stop before proceeding from one aisle to another.

Additionally, parking lots are often busy with pedestrians, and contain other hazards such as shopping carts. As in any other driving situation, you are always responsible to be on the lookout for pedestrians. You can read more about parking lot fault determination here.

Note that you are required to report parking lot accidents to your insurance company as you would any other type of accident. In Ontario, for example, parking lots are considered private property, but Ontario auto insurance policies require drivers to report the incident regardless of where it happened.

Does a Parking Lot Accident Affect Your Rates?

Like an accident anywhere else, if you are found to be at fault in a parking lot accident, you can usually expect your rates to go up. Insurance companies do not make a distinction between an accident that takes place on private property and one in a public street when it comes to calculating rates.

An at-fault accident in a parking lot is treated in much the same way as any other accident and is likely to have an impact on your rates, unless you are carrying an accident forgiveness clause on your policy and it applies to the accident in question.

It’s also important to note that while parking lots may be private property, legal ramifications to any accident that occurs there can still exist. If you are found to be driving under the influence in a parking lot, for example, you can be charged with a DUI in much the same manner as you would if it occurred on the street. Demerit points to your license may also apply.

Single-Car Parking Lot Accidents and Hit-and-Run Accidents

Damage to cars in parking lots frequently occurs when no other car is involved or the other car does not remain at the scene. This can be a result of a single-car accident in which the driver strikes an object such as a shopping cart, or a situation where another driver opens a car door and strikes the vehicle next to them.

If you are responsible for the damage due to having struck an object, your claim will be processed under your collision coverage, and you will be found at fault in the accident. This can result in a rate increase. In some cases, it makes more sense to have the repair done without an insurance claim, depending on the extent of the damage. Learn more about when you should report an accident here.

If the damage was done when you were not present, and no note was left, your insurance company will treat it as a hit-and-run accident. In this case if you have collision coverage you may not be held at fault, but you should report the damage to the policy and obtain a report. You will likely be required to pay a deductible to have the damage repaired.

Driving with extra caution and avoiding parking in spots that are too cramped can help to avoid such damage.

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


    Check with your insurance company as normally the vehicle who is reversing is considered to be at fault.

    Thank you

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


    It sounds like both drivers may be consider to be 50% responsible for the accident.

    Thank you

  • Dan

    Thanks for your reply. I thought as much, and would not have considered 50% liability until it was brought to my attention of the one-way status of that feeder lane. As of late, the liability company for the rental car agency is seeking 100% restitution from me as it appears their driver has no insurance or coverage period, and their only option to get the damages taken care of is to seek full liability on my part it appears because the one-way lane issue.

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


    with both vehicles reversing both are likely to be found to be 50% at fault
    Thank you

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

    Hello again,

    I imagine that it is going to be a case of he said/she said. I don’t know how you would prove it.


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


    Most of the time parking lot accidents are settled on a 50/50 basis but since the other driver was reversing they may be considered to be 75-100% at fault.


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


    It is likely that you will both be considered to be at fault if there are no witnesses.

  • D K

    “The driver of automobile A is 100 per cent at-fault if they open their car door into B or leave it open for B to hit it. ”

    Is this statement true or false? Found it elsewhere.

  • D K

    Why delete my reply with no feedback?

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

    It has been my experience that both drivers could be considered to be 50% at fault.

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


    We didn’t delete your comment. See the reply.


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


    Most likely the insurance company will look to the police report to determine fault.

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


    Given that you have witnesses it is likely that you will not be found to be at fault.

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


    Typically the driver who is reversing is 100% at fault.

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


    Your son should not see an increase in his insurance since it was not his fault.


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


    It sounds like you are at fault as technically you rear ended him.

    As long as he has his son’s permission to drive his vehicle, he is covered under his insurance policy since the auto policy follows the vehicle – not the driver

  • jade

    Hi I bumped a car in a public parking lot and scratched the paint work a little. I gave my details to the driver. Do I have to go through insurance or pay for it to be fixed myself? Thanks

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


    you can opt to pay for the damage yourself however, remember that the other driver may ask you to pay for a rental car also while his vehicle is being repaired.

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


    It sounds like you might be at fault.

  • carol

    Hi,I was in public car park where my granddaughter accidently opened door to far and caught another car door,can that driver make a claim.

  • hunter

    If me and my friend where backing out at the same time and we hit each other and we didn’t call the police both decided to go home what would happen?

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


    Yes. The owner of the vehicle that your door damaged can make a claim to your insurance company.

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


    If both of you agree to repair your own vehicles then it’s ok.

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


    You can try, but I doubt that they will pay.

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


    Since you were reversing it is likely that you will be found to be at fault.

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

    Yes this will be considered a ‘collision’ claim and you will likely see an increase in your premium as a result.

  • andy

    Hi my gf was at home, apparently a drunk driver hit her car in the parking lot and totaled the car, luckily they caught the girl. What can she do? what should she do? what are her options?

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


    She should contact her insurance company and have here vehicle repaired. It will be considered a not at fault accident since the vehicle was parked.

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


    You may have to take the builder to small claims court to have this settled.

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


    Check with your insurance broker to see what if any deductible you might have to pay and then make your decision.

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


    It is likely that it would have been a 50/50 split in responsibility.

  • Marilyn

    Hi, my car was hit in a parking lot while I was at work. A witness left me a note with the details, the other drivers license and make and model of car. It is being investigated by police. If he is found at fault – will his insurance be responsible for my repair? Will I have to still pay the deductible?

  • Doug Johnson

    An excellent reason to drive through when you are parking. Too many people try to get the closest parking spot instead of looking for an easy drive through spot that allows you to drive out!! Wont have an accident driving out as now you have a clear line of sight!! The other option is to back in to the spot. Then when you need to leave you simply drive out!! Takes a moment longer but at least you are not backing into a lane of traffic!!!!

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


    Which province are you in?

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


    You can contact the insurance company of owner of the van that your daughter was a passenger in. They may be able to direct you.

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


    If you are in Ontario, you can go to a collision reporting center and report the damage.

  • suzie

    I was in a parking lot and it was a one way…i had just gone past a parking space on my right so reversed about 1 car width to get into the spear front end….whilst reversing another car to my left was reversing out of a space and we collided. whos fault is this? is it my fault as I should not have reversed in a one way lane?

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


    Since both vehicles were reversing it might be that you will both be found to be 50% responsible.

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


    Check what the statutory conditions on auto insurance agreement in the province or country where you live.

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

    It would likely be the driver of the other vehicle who would be considered to be at fault as they hit your parked vehicle.

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

    It might be that you with both be considered to be 50% at fault

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


    It is likely that both of you will be considered to be 50% at fault as you were both reversing.

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


    If you report it to a collision reporting center, they will not report to your insurance company.

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


    It might be that you are at fault. Best case you might be found 50% at fault.

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

    most of the time, the driver who is reversing is considered to be at fault.

  • Fender Bender

    Hi there,
    Parking lot situation: was backing out of a space and hit a car. When I got out I thought we were both reversing out of our parking spots. He claims he was driving into a spot across from mine. My right rear bumper is scratched but there is apparent damage on the other vehicle’s left rear bumper.
    it looks like we both were backing out (his car further out than mine onto the road). He must have driven up past my car to get into the spot just after I checked my mirrors if what he told me was true.

    Who would be at faault here?

  • carlos

    Hi there was involded in a fender bender in parking lot .both of us reversing out i stopped she continued to reverse . i used my horn to tell her i was there but was to late. got out she admitted didnt see me . now she says wont pay for it .if i go throught insurance will my rates go up

  • damion

    when i was putting my daughter in her car seat, the shopping cart i was using hit the car next to me. it left a 4 inch scratch and dent. i have full coverage. will my insurance cover damage caused to the other vehicle?

  • tyler

    what if my car was parked in my grandparents driveway and someone was parked in front of me and backed up into my car would it make a difference because I am parked in some ones driveway or is it the same as a grocery store parking lot ?

  • Luis

    Hello my name is Luis and I’m 20. I was parked in a mall parking lot and as it’s Christmas time it can get a little hectic. I was parked in reverse, basically with the front of the car facing the road. I went shopping for a few hours and when I came back the front right side of my car was nearly slammed in with parts of the bumper broken. No note was left and I asked anyone who was around if they seen anything and all of them that they weren’t around when the accident happened, most of them arrived after it happened. It’s a 2014 Dodge Challenger so I have full coverage but I had no phone to call anyone from and i had no idea what to do since it’s my first time this has ever happened. Everyone’s saying to file a police report as a hit and run but I’m not sure what to do at this point?

  • emmanuel

    I got hit in the parking lot I was traveling on the outside skirt of the lot a lady pulled out of the Isle lane Wherr u park and struck my car in the back wheel pass rear she told me she didn’t see me and oil blame we called police they did a report but they can’t put who’s at fault cause of private parking lot, her insurance gave me run around 4 weeks later said they have no liability in the wreck that I have to get my insurance involved they never came out and looked at the car need help

  • lou

    Hi..parking lot situation..I was reversing everything was clear in dark parking lot..didn’t even feel anything all I heard is a thud..hit the car on the left back bumper of my car..my car can handle the dent then just a scartch on the other car by the door above the tire area..However their doing a double back to back parking in one lane spot like parallel..completely did not see it..whose fault is that?? Is that even illegal to park like that?

  • Austin

    Hi, so recently i was driving into a friends townhouse complex, i noticed a car trailing behind me with both of our vehicles going at about 10 mph, i noticed she was behind me so i signaled left to indicate that i was pulling into a parking space. As i proceeded to park, she tried to pass me on my left hand side, the same side i was pulling into and had my indicator on signaling that i was doing so. I just don’t see how i could be at fault for anything considering i was going in one constant motion and even signaled to indicate i was parking, not to mention there would have not been even enough space for both vehicles to fit seeing as she was driving at Chrysler mini van and i was in a Chevrolet traverse. I am only 17 so I am concerned with how this will effect my insurance and myself as a driver. I couldnt have done anything to prevent this collision.

  • James


    My Car was hit while parked overnight in our residential Parking. I suspect it is one of 5 neighbors as no other cars ever enter the area. I have reported it to the Local police and will receive a case number in the days to follow. I have not contacted my insurance yet. The damage is to the front driver side and I cannot open the driver door which is highly annoying. Please give some advise as what to do. I will be going around to all the neighbors tonight to ask if anyone knows anything or will own up to hitting my car.

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


    Most of the time it’s the driver who is reversing who is found to be at fault.

    You should double check with your adjuster.

  • Gold

    Hi… This happened recently at a mall parking lot in Toronto. I parked into a spot and then later wanted to make a right turn from there. While trying to make the turn, I realized it was a little closer than it should be to the car parked in the next spot, so I reversed back and went away from that car and then made the turn. I did see the owner of that car coming towards the car at that time. I slowly parked into another spot at the front and inspected the vehicle to confirm that it did not hit the other car and there was no damage whatsoever. Also I wanted to go back to the other car and confirm the same, when I just saw that, the owner of that particular car was driving off. So, I assumed nothing was wrong.

    However, today I received a letter in the mail from the Police asking me to attend a Collision Reporting Centre to file a report and I assume it’s with regards to this incident.

    I don’t have any previous experience with collisions, so I don’t understand if I’ve done something wrong here and or what are the next steps. Appreciate if someone can enlighten me.


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


    You should report it to your insurance company as a hit and run if you can’t fin the responsible party. You might have to pay your collision deductible.

  • JimneyDriver

    Hi, I have a difficult situation. My car was parked on a private road owned by my apartment complex adjacent to the parking lot. It was side-swiped by another car one night and has heavy damage. I have renters insurance but no auto rider and no collision insurance on my auto policy. How do I get it repaired and who has to pay? I can’t afford it. So sad.

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

    You will likely have to find out who hit your vehicle. Contact the police as this is a hit and run.

  • Alina

    Hi, i park my motorcycle at parking lot after a while another motorcycle park beside mine and hit my motorcycle. My motorcycle felt. The other motorcycle when off and park at another lot. I got no witness but i saw the incident from my kitchen window. So i have the bike reg number. What should i do.?.? Please advise. Thank u

  • Alina

    My left side mirror scratch n my front brake padel bend to front . My engine proctetor scratch

  • Alina

    Please advise…thank you

  • Alina

    Thank u

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

    Report the incident to the police and provide them with the registration number. They will be able to help you.

  • Tracey

    Hello, I parked my car on a private road over night and in the morning saw it had been hit by a scaffolding truck they k is they’ve done the damage but don’t want to pay and say that it’s a private road so I shouldn’t have been parked here.
    Where do I stand , I’m not sure what to do now!

  • Nazi

    Hello, when mom’s car hit a parked car while backing up from garage. my mom is definitely at fault. i wonder if it increases the rate of her insurance if she go through insurance. Also, we haven’t discussed the accident with the damaged car’s owner. i dont know if we tell her or not. because she was not present at that moment. she is our neighbor by the way. please help…
    by how many percent will the rate of the insurance go high?

  • Amanda

    My mother in law backed into my parked car this morning what do I do I have liability and she is at fault

  • ben


    Our car was hit while parked in a train station, no note, no witnesses. We reported this hit and run incident to the police collision center. We also called the train station, they may have video of the incident. Should we call our insurance to report, but we don’t want to make a claim? Will the insurance investigate regardless and retrieve the possible evidence? What are our best options?

  • worried driver

    Some one parked soo close to me that I had to climb into the drivers seat from the passenger side. While pulling out I accidentally scraped his car. Is it still my fault?

  • Linda

    I was picking up daughter at school and entered a one way parking lot. I have the option to park left or right. I turned my car left and the lady behind me decided to pass my car from the left at the same time and our cars collided. She says it’s my fault and I said it’s hers because she was behind me and shouldn’t try to pass me from my left if I’m trying to park.

  • Hannah

    Hi I parked in a parking but I wanted to fix my parking and so I backed up and this other vehicle backed up too and I saw him and I noticed that we probably are very close to each other so I stoped and hit my horn but he hit my car I called his insurance and filled a claim do you think is it best for me to also call my insurance too or wait

  • Jennifer

    What will happen to my insurance if I was trying to get into a parking lot but a truck was parked at the entrance of the parking lot which is also the back of a store ,where they were doing a delivery transfer, and I tried to get around it but got stuck on the corner of the truck. It dented and scratched my car. I’m obviously at fault, but how much will it affect my car? Should I just get it fixed at a shop? or make a claim?

  • 1800BENNY20 .

    Parking lot situation: I went into a mall for probably 20 minutes to grab something to eat, when I came out my bumper was cracked and the trunk was dented pretty bad. There was no vehicle around with damages on their vehicle that related to mine. There are no cameras in the area that I parked and no one left a note. I don’t want know if my rates will go up and don’t want them to because I am 16, in high school and with my after school responsibilitys (sports) Its hard to get shifts at my work. What I want to know is should I contact my insurance company? If I call them and tell them about the accident do I have to file a clam or can I still leave it be and fix it on my own?

  • Brandon

    I was at work helping a customer load a air compressor and saw the gentlemen back into my car and, will insurance cover this?

  • Brenden Tyrell Chappell

    So I went to this auto repair shop to get my truck looked at and when I wen to leave someone parked behind me but not in a parking spot and I backed into her. Who’s at fault?

  • Miqui

    Hi my son was backing up but he didn’t see a car parked right behind him and this car was in the fire line should I make a claim? The car had a slightly scratch at the door but he’s making a big deal.

  • Adamt

    I was driving to school and barley tapped a person’s bumper. Their vehicle had no damage, not even a scratch on the paint, nor did mine. Can they still file anything against me

  • Sad day

    Hello there fellow unrightfully accused drivers. Well any way here’s my situation, I live at an apartment geared more toward the college crowd with a typical parking lot/driveway set up. I leave for work and as I’m backing out I am struck by this car, mind you she has a Toyota yaris and I drive an extended cab f-150, my point or defense on the incident is that at the point of impact I am nearly completely backed out. The damage to my truck is extremely minimal, nothing more than a scuff or scratch the size of a coke can on the utmost corner of my passenger side rear bumper. Her car on the other hand is hit on her driver side quater panel just by where a gas cap would be and with the direction she was driving it continued to scrape past the tire. I was content with the situation as far as damages to my vehicle and the fact I had been struck by a negligent driver who deliberately attempted to pass a driver completely backed out… Her insurance sees it as I backed into her and that I owe x amount of dollars to replace damages done… No cops were called and no witnesses on the scene we left the parking lot shortly after the incident. I thought it was understood the damages were self inflicted to her vehicle, and that i was the “victim” in the accident. How am I legally resposible for her damages in this “he said she said” matter if I have not been declared guilty by anyone other than her insurance company?

  • Michal

    hi, my car was parked next to my flat and a drunk lady without insurance and driving license smash it, how can i get my money back if shes not insuranced?

  • Jaye

    neighbor has damage on her front end sports car. Because I was parked in front of her the day she “saw the damage ” she says i must have hit her.There is no damage on my VUE. Her car was buried under snow for 3 weeks and has a flat tire Her insurance wants my auto tag numbers and auto id and for me to fill out an accident report. Would you?I think I should not as there wasn’t an accident involving me

  • Martha

    Hi my BMW was hit at my works parking lot. I am a truck driver and another driver hit it with a diesel truck. I informed the owner and he said that hey knew who it was and that they would take care of it. Now that I took the estimate my boss said he don’t know who it was even tho we have security cameras and he checked to see who was it. When I first took the estimate he said if the driver can take it to his shop because it was to much money I said no then he stated that he (my boss) doesn’t know who the driver was! All of a sudden because my estimate is $2,465 he doesn’t know who it was and he stated that he is not responsible for cars parked at the yard. What can I do and can my boss he liable?

  • Krishna Mahajan

    HI, I parked my car and went to work, all the parking spots were full. I left and my Co-worker she parked after 20-30 min. Till then my car was standing fine. After 1-2 hours someone told us that my car had slided and hit her car on the side..
    We both were not at the spot and saw nothing. My car was still parked in the Gear as its a standard. by slid and hit her car.
    Who’s fault is this? As she wants me to pay for everything but i think that its not fault completely.

  • Eric Nelson

    Hi I just bought a new car and its only 4 days old. Me and my girlfriend came out the store and noticed someone hit the passengers side door. Its about 4 long black scratches on the door. Am I covered? What do I do? Its make my brand new white car look terrible and the person did not leave a note.

  • CN

    I was T boned in the mall parking lot, I was looking for a spot, and a lady came cutting through an empty spot and smashed into the side of us. i got her info, I only have plpd, who will pay for the truck? I tried calling the cops but they wouldn’t come, my niece hit her head and has had a headache, my baby seems fine but it was a huge impact. I don’t know what to do, i think im going to take the kids to the er just to be safe, but its so expensive, who will pay for that? I’m afraid this is going to cost me big time :(

  • Christina

    My car was parked on the street while I was at work. My coworker went outside later and said my car was dented. I went out and right behind the right headlight is a big dent and some scratches and white paint. I don’t know who hit it. If I report it to my insurance, will my rates go up? Would I have to pay the deductible to get it fixed?

  • Janet

    I need to know what to do about my brand new car. I was parked in a parking lot across from my son’s apartment building. I did not notice until the next morning that someone had opened their door and hit the passenger side finder of my car. It made a dent and scratched the paint on my car. What can I do about it?

  • Ben

    Hi, I was driving through a parking lot and an errant cart was pushed by the wind and rode down an incline and hit my car. There is a dent in my bumper and paint chip.

    I filed an incident report with the operator/store but their insurance said since no employee was present/pushed the cart, they are not liable and there are no cameras. The claim is the cart was left there by a shopper.

    What are my next steps? Strictly file with the insurance? The policy said a hit and run will be covered if a police report is filed within 24 hours.

  • nano

    hello. I was working when my co-worker grabbed me and took me to the parking lot and I see a car has hit my car. turn out the driver drives a standard car and forgot to pull the clutch and the car backed up on its own and hit mine. Who is at fault and how will the insurance go about it?

  • khan

    I was backing up in a parking lot and suddenly another lady from the other side also stated backing up may b at the same time or little later then me. But we both were backing out of parking and then we failed to judge each other and our cars collided with each other. Nothing happened to my car but her car got a dent. The lady came of her car and starting yelling at me and I got confused because of only damage to her car, her yelling and also as it was my very first accident. She asked me for all the info and I gave her all the information. later on I realized that it was not only my fault but also her fault as we both were backing up as I think I started backing up a little before her or at the same time so its her fault too. Any suggestions?

  • Pily La Rocca

    I was backing out and I hit a car that was parked close to me, somebody in the parking lot saw this and took a picture, i was abou to leave a note but this lady takingvpictures of my car, I got confuse scared ( I have PSDT from a car accident that I experienced before) I drove away, knowing that someone will contact me since it happened on the parking lot of my daughter’s gymnastics classes, and was thinking calling the place on Monday and let them know…. Long story short the police came to my home 2 hours after, and I said the true, the officer was nice he told me I should left a note to avoid all this complication. But I don’t know what’s going to happen next, am I in trouble, ? Please help

  • james

    I was driving in a parking lot a truck was on my right as I passed him he hit my back finder and pulled my finder off

  • Ishrat Sultana

    I was going to the end of a walmart parking lot plaza, there were parked cars on both sides. I was going about10-13km/hr, slowed down as I was turning left but another car going straight sped up and I hit their tire and rim cover with front right bumper. There’s no other damage on her car other than a scratched tire and rim cover. More damage on my car. She said she will claim and I was wondering I f my insurance will go up crazy high. I’m not claiming anything as I can get my car fixed but I wanted to know who’s really at fault if I hit just her tire and rim cover (not the actual rim, just an aluminium cover).
    Please let me know.

  • Serena Carr

    My car was parked in front of my apartment when someone was running from the police and jumped out a van, left the van going, and it hit my passenger back (i was backed in). With a situation like this what should be done besides getting a claim with my insurance company?

  • Cassie

    I just turned left into a parking spot and hit a car that was reversing, who is a fault?

  • Preston leon

    Hey the other night I borrowed a buddies truck to go grab some stuff for the bbq and on my way back I backed into another parked van behind me I shattered the window and dented the heck out of the back hatch . I only have my learners license and I had a licensed person with me . My buddies Truck has not one dent but the van is needing a new hatch door. I’m not really sure what’s going to happen or what to expect .

  • jamz111

    A car in front of me stopped while another car infront of him was waiting to make a right turn into a parking isle, I go to the left and tried to pass him. Just when I was almost passed him, he decided to change his mind and and tried to pass the car in front of him and hit the side of my car. Who would be at fault, me for trying to pass him or him for not looking to his left side before trying to pass the car in front of him?

  • Khaja Nizamuddin

    Hi, I parked my bike at my college parking. by the time I returned to it in the afternoon, my bike was on the floor. Might be someone hit it and went away. due to that my dome, handle, silencer, mirror, brake got damaged. Can I claim an insurance coverage?

  • Dana

    I hit a car when I was in our neighborhood parking lot I hit one from the front which make that thing from the front to fall down and hit another one a little bit from the side it’s not showing so I’m 20 and have a permanent but I didn’t get a ticket or sry but my brother was with me how much for AAA INSURANCE THE insurance will up like how much the amount!

  • http://twitch.tv/daweege DaWeege

    Someone hit my brother in the parking lot. Even though the other driver is claiming to be completely at fault, my policy is still affected and now I have a bad record. (My brother was under my policy)

  • alexa

    I’m really confused on what to do. I was driving someone else’s car, when their trailer hit a parked car (the brother of the guy driving the parked car was giving me a thumbs up signalling i was good), they didn’t call the police, or make a claim, they had me give them my name and number and haven’t heard from them until today when they told me to file a claim on my insurance. They actually don’t even own that car. What do I do? I live in a no fault state (MN) and they want me to file a claim, and them not have too. Help?!

  • jeah

    Hi i accidentally hit a car minor damage to the back rear on the bumper no dent just scratch so i did the right thing and left my name and number but i now believe the owner of the vehicle i damaged is trying to scam me for money saying the damage is more than $1100 when other have said damage is only $800… can the police get involved because damage is more then $1000 or so she says?

  • Glenn Murdock

    Hi! My son was pulling into a parking spot, when the driver of the car next to him (parked) opened his driver’s door without looking and my son hit the door. We are in Ontario…who would be at fault here?

  • Glenn Murdock

    Hi – my son was pulling into a spot in a parking lot when the driver of the car next to him (parked) opened his driver’s door without looking. My son hit the door. Who would be at fault?

  • christina leone

    Hello. So I had an encounter today with a person who was parked so crooked in her space that she made it impossible for me to get out of my car with out tapping hers. I did not damage to her door but she claims I did. Her car’s driver’s side front wheel was right on the line between our spaces and I managed to park in a manner that left at least 6 inches between my car and the line between our spaces and I could barely get out of my car and walk between our cars without turning sideways. How do I handle this withy
    Insurance if she tries to claim something?

  • David Stevenson

    My name is Dave and I live in California. A few months ago I was driving my girlfriends car in a commercial parking lot when I was hit by another driver. I was turning left into a parking space when she tried to pass me on the left. Well come to find out there was no insurance on the car that I was driving. Because it was the other drivers fault I didn’t take it to seriously. A couple of months later I receive a letter from DMV that they are suspending my license for a year for not filing a report showing proof of insurance. I far as I could tell because I am not an auto body estimater there was not $750 in damage. What can I do to rectify this situation? Your advice is very much appreciated

  • David Stevenson

    Sorry babe!

  • Andrew

    Many times, if it is not clear who is at fault, the last person who can avoid the accident is deemed at fault. The person who could clearly see you in the traffic lane but was otherwise distracted and hit you anyway may be faulted, under some conditions. I once saw someone get a ticket for trying to “beat” a my friend’s car reversing out of a space.

  • Leah

    Hello. I was in the parking lot of an apartment complex an was backing out. I didn’t see any cars behind me until I heard a bump. I looked in my rear view mirror and saw I had hit a car. Fortunately for me, I mostly hit his front left tire. But there was a small scrape on the side by the tire. How much will my insurance go up? Don’t care about my car just the car I hit.

  • Audrey Machado

    My brand new leased vehicle is continuously getting scratched or keyed in the parking lot of my apartment complex.No one will fess up,the owner says they can help question tenants.We have a “no toys on wheels” policy barely enforced.Also not a single adult outside with their children.I’ve contacted insurance and made a claim as vandalism with no witness though.The police will do nothing.Last night a strange car was parked in a numbered spot next to my car.I can speculate it was this vehicle or the litterally 10 kids hanging around the car in our tight parking spots but no hard evidence.My deductible is $500 which i would like the owner of the property to pay but he claims its not his fault or responsibility.He said he will install cameras and enforce stricter rules with the consequence of lease being terminated since the tenants here constantly leave their children completely unattended. My queation is who must pay to have my car fixed?Since this is
    reoccurring how can i better protect myself and car?

  • Lexie

    Parking lot situation: I grazed a cars back quarter panel and gave him all my details so I could pay for the damage I caused
    There was pre existing damage on the car. I asked him to give me 3 quotes so I could pay him. Instead he didn’t talk to me for 2 months and then I get a letter from debt collectors saying I ow them 1500 for th e damage on the car. The break down of the claim shows that he was claiming the preexisting damage and not the scrape I did. What can I do?

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

    You may be best to seek legal advice on this.

  • Steve

    Who’s at Fault if you were already reversing into parking spot and a car traveling down a lane comes too close and you scrub bumpers.

  • Roszinder Kaur

    Hi. I was parked in a grocery store parking lot and I was trying to put my baby in his car seat my door was open then a new car just pulled in next to me and parked next to me .. I didn’t realize that. Since It was windy day and my car door scratched her side and some paint came off . I’m I at fault in this case ?

  • bmb

    So I was backing up in a apartment parking lot, and hit a vehicle parked next to me, I know I’m at fault and I’m a learner driver, what do I do? The damage wasn’t to bad but I’m freaked, will I loose my learners? I gave her my info will I have to pay for damage? Help me please!

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

    It is likely that since part of your vehicle collided with the other vehicle that you will be at fault.

  • Rebeckah

    I was involved in an accident where this big Jeep was parked in the peek of my turn which was also a no parking zone she was in a laundry mat separating clothes as I turned I accidentally hit the drivers side front headlight and the bumper was I wrong

  • Vega16

    I backed up and scraped and parked car in my college parking lot and Let a note and just wanted to know if the police had to be contacted or can they still make a insurance claim with out contacting the police

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

    If you left a note that’s good. you may still want to contact the policy to protect yourself further

  • Llopez

    I hit the side of a car while parking , however the last has parked on an angle and her. Whole backside was on my side of the spot am I still 100% at fault and how will this affect my insurance

  • Emily Quinto

    This has got my head spinning and im hearing so many different things from different people.
    today I was parked at a convenient store beside a recycling truck. My car was already turned off. The commercial vehicle driver turned his wheel a lot sooner then he should have and he backed into the side of my car and then continued backing up until he couldn’t back up anymore. No charges were laid because the cop said it was done on private property. As far as im concerned he hit my parked car, so he is at fault. Though now im hearing this could be 50/50 fault?!? Where is the sense in that? If he hit my parked car he was parked beside me how is that in any way my fault?
    also because it was on private property charges can’t be laid? That is some B.S.!! What if my baby was sitting on that side of the car and he was injured? Then he can be charged for reckless driving or w.e he works for the township so his but is covered financially where is he going to learn a lesson by not being charged? We have mirrors for a reason! You are told to check your blind spots before backing up! And isn’t it a given you would straighten your wheel when parked on level ground before you shut your car off?!? Some drivers like this guy really tick me off! And also because it was a township vehicle would or should they have full coverage to pay for all thw damages and pay for my rental? My insurance company won’t pay for the rental and i sure as heck can’t afford to pay for a rental and i never asked for the guy to hit my car .. im so stressed!!!!

  • Biyu

    Knowing my insurance you

    We were sitting in a lot guy sped in and hit us we were at fault and insurance did NOT want my pictures!

  • Biyu

    So how would that work in these cases:

    1 car sitting in lot another car speeds in damaging the sitting car (we were deemed at fault I think that’s bs) –oh and our insurance didn’t want my pictures! We had worse damage guy needed a buff job

    2 my car sitting in the lot I get back out there’s scrapes on the rear bumper of my car that are clearly not the colour of my car a car that colour is next to my car and has corresponding damage (I have pictures of my damage there damage and there liscence plates) was an old guy (I waited till he got back still pissed tho) and our dogs were in the car ALSO his rear tyre was OVER the line into my spot and his front tyre was ON the line!

    Knowing our insurance I will be at fault because I was nowhere near my car when number 2 happened

  • Vee Nadi

    Hi, my car was parked in a plaza, I was upstairs at the doctors, my girl friend is in the car. A car comes to park beside my car and hits the passenger door and scratches it, my car was not on and was parked. Who would be at fault , would insurance view this as 50/50?
    Thank you

  • jrube

    I was pulling out of a parking space at a local restaurant a few yrs ago and backed into a small pickup truck. No tickets since it was on private property but my insurance had to pay for the damages. That guys insurance should have still paid for yours. He backed into you!

  • jrube

    Are you insured on your parents policy, you have to be. Their insurance will pay for it.

  • bibi

    I was backing in out in a parking lot, I looked to the right side I did not see any car coming then to the left and nothing than I proceeded backing out slowly then I felt like I touch something lightly I stopped and there were two ladies screaming at me saying ” you hit the car” I looked the car for any damages and it seems like I made a very tiny dent like the size of a dime , we change information and the lady the owner of the car got all happy because she will get a big check from my insurance to spend it on herself and she will never use it on her car. And if she will, probably will take car where they charge only 50dlls to repair the tiny dent.

  • Smita Varma

    I parked my car in a private vallet parking and went out for two hours. When I returned back my car was hit so badly that I was not able to open the driver side door. The supervisor of the parking place made me fill the claim form for the hit and took pictures of my car . He said that the insurance company of the parking place will contact me soon. I purchased this new luxury car 4 months back and have only a single car and that too was hit badly. What should I suppose to do now?

  • Keith O’grady-Pitt

    Hi I was in my work carpark in the main stretch leading into the rest of the lot someone had pulled out in front of me so I stopped and put my foot on the clutch, as space started apearing infront of me I took my foot off the break getting ready to go forward. As i did that my car rolled less then a foot back as it was on a sloped and someone had pulled into one of the lead off roads into the carpark behind me cutting the corner and causing my back to scrape the side of her car, whos at fault? Is this her fault as she had not pecieved the space required correctly and is required to giveway to the main road leading into the carpark?

  • Michael

    so i experienced something odd today. I was in an accident my fault entirely, i was backing out and didnt notice a car that was going down the isle, i stuck him on the side of the car but when i stopped and and came out of the car the person was gone. what should i do? I know its my fault but the victim was gone.

  • conscience

    Hey i was waiting in line at the gas station when a guy reversing out of parking lot hit me. I have no collision coverage. But he is the one who definetly hit me as he was reversing out. I want to also add that i have a witness. Who is at fault here. And am i gonna have to go throuh my insurance.

  • InsuranceHotline

    In Ontario you since you have no collision coverage, in order for your claim to be paid as a not at fault loss you will have to find the information on the driver who hit you.

  • conscience

    This was in alberta and i got all the information.

  • seeking answers

    In the parking lot of my job another worker parked behind me (i was parked 1st) ended up hitting my vehicle from behind as she pulled up. I’m assuming she didn’t feel the hit and left her car pushed up against my bumper and went inside to work. I took plenty of pics, she doesn’t want to give me insurance info because he premium is high due to another accident. She stated she would pay out of pocket for damages so I gave her a quote n now she is wanting me to get an additional quote on which I am not. If I file a police report will they be able to get her insurance info, I also have her lisence plate number.

  • InsuranceHotline

    If you file a police report, they will likely contact her and get the information

  • Kyle McDonald

    FENDER BENDER. I’m at school, in my car, about to back out. A truck is across from me about to do the same (his lights are on). After almost 15-30 seconds of waiting for him to back out, he still hasn’t moved. As I proceed to back out, so does he, in the same direction. I stop, and remain still in the parking lines, for my car is essentially still parked, albeit, moved back a little bit (still in the lines). He proceeds to continue to back out at an extremely wide angle, literally as if my car wasn’t even there. I honk my horn erratically to alert him there is a car parked behind but he continues to back out and hit my car. There was a car in front of me parked, so i couldn’t necessarily move out of the way even if i wanted to. Before i could think of anything to do, hit hits my car. I get out and ask him if he heard my beeping but he denies hearing it even though his windows were cracked. He brags that he has a steel bumper and says hes all good. So i call the police and they take everyone’s stories. There was a gentleman in a car in the parking lot and saw the whole thing (he heard me beep and his windows were closed). The police also took his statement. Who is at fault and do i go to my insurance or small claims court? Please respond in a timely manner I want to take action immediately. I have pictures of everything.

  • Chelsi

    Hello. I was recently t-boned on the front, passenger side of my vehicle in a private parking lot. I was driving on the perimeter lane of the lot, when a car entered from an outside entryway and hit my car. There are no stop signs, yield signs, crosswalks, or stop lights of any kind. Who’s at fault?

  • Savanna

    Did you ever find anything out in this topic?

  • InsuranceHotline

    It might be that since you were both reversing that you will both be considered to be 50% at fault.

  • Zana Murseli

    Hi, I saw today that I have a big scratch and dent on the drivers side, close to the wheel. It seems that someone hit and go. I didn’t hit any car nor anything else. I dont know when and where that happened. What should I do

  • kimp05

    I got in an accident in the parking lot of my university while looking for a parking lot. My side of the road has stop signs and I stopped and then processed to the other side of the road but while crossing my car got hit. It was raining that day so I could be at fault for not seeing her car coming. We called the university security and they made a report for me. She has a passenger in her car that claimed that I did not look both way when I crossed, but I did however, there’s no proof on my side. I don’t want to make a big deal out of it so we gave each other our insurance and contact information. And now a month later her insurance send me a letter/document stating that I’m at fault and I should pay for the car repair with images and details of the overall price of the damage repair. What I’m not sure about is why is her insurance contacting me and not my insurance? I gave her all my information, and if she has lost it she could simply contact me. I didn’t say I wouldn’t pay. But the overall payment for the repair is so high for a little scratch and a damage hood. And with the images of what the repaired is an image of the back bumper. As far as I know she hit my car in the front passenger bumper resulting my front bumper light to cracked so I don’t know why her back bumper has to be repair too. Can someone tell me is she trying to take more money needed for the accident damage or why isn’t her insurance contacting my insurance instead of me? Or am I being too suspicious?

  • Marjon

    Hi this is almost same happened to me in the parking lot in Walmart messisauga i was reversing slowly and check my back and i saw there is another also moving back so i was stop and give her way.and i keep looking her but the way she driving reverse was so bad she taken all space and she is getting closer in my car so i horn continue horn and horn but she never stop and she hit my car,then i went down and i check my car was a little scratch and her car is also small scratch,i asked her you my car i horn a lot ,she told sorry she never heard my horn,i agree for her sorry because its a small damages.but she is asked to claim in my insurance and my insurance payment is become high and my insurance put me in a high risk and red alert for every insurance that i’m trying to get a coat i spoke to my agent and she said she cannot do anything for that and i’m suffering until now for that happened and my car insurance now is 632.93 ,my car is Nissan Murano 2003 model this is only one way.

  • Alex

    We were in our car when a car beside us was hit in his side by another car. We took the pictures of damage and auto plates. When we came back from the store, both vehicles gone. What we have to do with the pictures?

  • InsuranceHotline

    You should take them to the police station.

  • Ryan Oliver

    I was driving through a parking lot and a landscaping stone was in the lane. (It was pouring outside so it couldn’t be seen). The impact busted my axle. Should the property owner be at fault for the poor maintenance? If not, would my rates go up for a claim? (I have photos of the boulder’s location)

  • Emily

    I was backing out of a parking lot, clearly looking around, and did not see anybody so I proceeded to back out. I then bumped someone driving past me as I backed up. They have some scratches (and maybe a flat tire) we exchanged insurance info. But would we both be at fault? Will my insurance go up THAT much?

  • InsuranceHotline

    you will likely be considered to be at fault since you were reversing.
    How much your insurance will increase by depends on your insurance companies rules. Each insurance company has their own rules.

  • luevilla bell

    I was reversing back into a parking lot and i supposedly hit someone with my car.. Called the police and i was found at fault. It is private property and my job. After the police left they went in and ordered food and alcohol. And they denied any weemedical help… What should i do

  • InsuranceHotline

    you should let your insurance company know what happened. they will direct you on what to do next.

  • Ohiotraffic

    I was involved in a accident where I was backing out of a space in a tiny apartment complex parking. There is a designated space that says no parking at the back of the lot for vehicles to help them back out of spots with out harming other vehicles. This day as I was backing out of my space a car pulled up and parked in that no parking zone which lead to me backing into them. What’s worse is at the scene they first claimed no insurance and wanted cash on scene(I didn’t give them anything because it didn’t seem), then later turns into a phone call wanting me to pay for repair damage which they told me 2200. Still no insurance involved. So I went to where I was told they received there price quote, seeing how I was only given numbers but no actual documents like a insurance company would. While I was picking up the papers I asked the man behind the counter if could give me the listed value of the car as well and printed something from KBB. The vehicle is 96 Buick regal in less then fair condition was valued at $500 Max. Since I wasn’t dealing with a insurance I offered to give her value of her car (which I believe to be logical). But I never got a reply. Nearly 2 months later I get a phone call from a state farm attorney demanding an obscene amount of money or they will be submitting a request to have my licence suspended. A couple days later like 4 days I get letter saying they submitted the request nearly a week before I known about it. I’m not sure if I’m at fault for the accident first of all second isn’t there a process of informing a person when a claim has been filled against them and does the insurance company have to share damage cost estimates they receive and finally how was the owner of the vehicle able to file a claim after an accident when claiming not to have insurance. I don’t know what to do.

  • Kirill

    Hi there,
    Parking situation: Last night i parked my car as the rule says “sideways” (not straight)on the street right in front of my building. Today at mid day i came out to clean the car inside and found a note on the window. Person has all the information about the hit and run cab. My right front bumper is scratched. It has my paint came off and the hit and run yellow cab paint on it. I know it is not my fault, because i parked by the rules and he hit me and ran, plus he was going the wrong way as the witness told me. I would like to find out will my insurance raise?

  • Maggie

    My fiancee’s truck suffered a hit and run in our apartment complex parking lot. There were witnesses who took the license pate number as well as video footage from a security camera. He called the police who came out and told him there was nothing they could do as this incident took place on private property. He called his insurance and provided them with the license plate number and the witnesses names and they said they will cover the cost of the repairs (about $2000), but he will have to pay a deductible. I know life is not always fair, but it frustrates me so much that he’s not at fault here and having to pay while the jerk who did this gets off scott free. All of our savings is going towards our wedding so this unexpected expense is like a slap in the face. Rant aside, my question is will his insurance rate go up as a result of this? Also, is there anything else we can do in this situation?? I feel like we’ve done all we can to find nothing can be done about it. It’s a long shot, but maybe someone on here can help us think of a solution. Thanks so much!!

  • InsuranceHotline


    Since it’s a hit and run, you have witnesses etc. you should not see an increase in premium.

  • tonka

    hey guys! I need a bit of advice.

    I’m a fairly new student driver. I was trying to back out of my friends driveway which is on a hill and gets smaller as it comes to the road. He lives in a type of duplex so his neighbors who live in front of him can park at the top where he parks his car, but instead they decided to park right behind me. I checked my blind spot (the neighbor was on my left side) and was looking out the back when i put the car into reverse. When I took my foot off the break to back up I thought I had more room but instead scratched the right side of his bumper and caused maybe a 2inch dent. The land lord has told both of them that parking where the neighbor parked isn’t allowed and he will get hit because of the shape of the driveway. Who is at fault and what should I do?

  • InsuranceHotline

    Since you were reversing and the other car was stopped it is likely that you will be found to be at fault.

  • Courtney Cartwright

    I was backing out of the parking space I looked both ways did not see a vehicle and a lady came from the side and we bumped cars there was little damage to my car and a door dent on her driver side door this happened at a Walgreens store parking lot. Can she claim this against my insurance?

  • Rattled

    I was driving down the road toward home when a school bus passed me on a rural road. Kid threw an object out of the bus onto my hood and windshield. I called the school’s transportation dept and also filed a police report. The school district is behaving as if they are not responsible and as if I will have to go after the child and the parent in court myself. The police just made the report–just the facts madam. I think this is wrong. My car was hit with a ” flying missile” of some kind and did body damage to my car. It also severely cracked my windshield. I was lucky that I was not injured or did not have a wreck. I want my car repaired, But what about criminal charges? Now what do I do?

  • Britany Pesce

    My boyfriend thinks I hit him in his work parking lot because I was the last person he saw park next to him. But I did not hear or feel any collusion with his car went I left his work. Apparently there’s a dent into his car above his tire which isn’t allowing him to steer all the way. There’s isn’t any damage to my car or even a scratch of paint that I can tell and we aren’t sure it was my car . Is he able to make a claim through his insurance for a ” hit and run” basically? Since he thinks it was my car but don’t know for sure since I didn’t hear or feel any damage pulling from the parking space next to his and him not knowing if someone else parked next to his car at work ? I attached the picture he sent of the damage to his car.

  • Jake

    Hi there,

    I was reversing into a parking spot and as I was 30% in the spot another vehicle reversed out of the spot directly in front of mine and hit me in my front drivers side bumper. I have a witness who claims it was %100 percent his fault. I had an incident a few years ago and really can’t afford to take another hit on my insurance. This happened in Toronto. What should I do?

  • Kayla


    I was backing out of a parking space, was almost straight and ready to put my car in drive to continue out of the parking lot, when a woman backs out of her space on the other side of the aisle and hits my passenger side back door with the back of her car. Since I was essentially straight and began backing out while she was still in park, am I partially at fault or not at fault?

  • InsuranceHotline

    He can make a claim for a hit and run but will likely have to pay his collision deductible. he should also let the police know.

  • Alex

    Hello – I was in a parking lot and found my passenger dour sliding against a small cement block I was unable to see. It caused some scratch damage – will insurance cover this? And if I tried to get it fixed would they still cover it after?

  • Christa

    I was pulling out of a parking space and I cut too close to a van and heard some scraping. When I looked at the vehicle, there was a sizeable dent in the rear bumper and a few scratches. My car had only a few minor scratches near the rear passenger door. Now I’m wondering if I could have done that much damage. Would I not have some front passenger side damage on my car?

  • InsuranceHotline

    If you have collision coverage your company may cover the damage but you will have to pay the collision deductible plus you will have an at fault accident on your record.

  • Bianca Escalona

    Hi, my car was hit by an employee at a resort a couple of months ago. Their employee was at fault and they accepted complete liability. My car is being repair now, they are paying for my rental and that’s great! They never called me to follow up or apologize, which is the least they could have done. I’ve heard stories of people getting reduced or even free stays for less serious issues, and again, I didn’t even get a phone call. I’ve had to miss two days of work for the estimates and repair as well as money on gas, finding someone to take me home when I took my car for the repair and it’s been a major inconvenience for me. Not to mention the embarrassment of driving around my, previously perfect, car looking like a negligent driver. Can I recoup anything else? It was the day of my daughter’s graduation and needless to say, it was already an emotional and stressful day. It cause a huge fight between my husband and myself and that’s all anyone remembers. In not trying to be greedy but, they could have called me to apologize.

  • Amber G

    I was pulling into a parking space when suddenly the person in the vehicle beside me opened his door, scraped my paint and tore my wheel well cover and broke the clips connecting it to my vehicle..am I at fault as I was the moving vehicle? Or he, for not checking before opening his door?

  • http://unitedindiainsurance.gibl.in/ United India Insurance

    Liability insurance, in various forms, protects your business from financial losses related to third-party property damage or injuries. It also protects your customers if a vehicle is damaged or someone is injured on your garage premises.

  • Tasha

    Thisss just happened!!!! My sis in law open her door and hit another car with our truck what will happen now

  • InsuranceHotline

    The owner of the other vehicle can claim any damage. If you’re car is damaged you can make a claim to your insurance company

  • R A

    Hello, someone in my office backed onto my parked car and scratched it….Both cars were on office private parking lot. He has offered to have the car fixed by his body shop. I am worried that they won’t do a good job and this is a leased car. Can I file a claim and have it done by my car dealership? I don’t want to pay any deductible or touch my insurance in any way…what’s the proper process?

  • InsuranceHotline

    Depending on which province you are insured in, you may not have to pay any deductible since you know who it was that struck your vehicle.

  • InsuranceHotline

    It is likely that both drivers will be considered to be 50% at fault. Since both were reversing.

  • In Shock

    Over a week ago someone was parked behind my vehicle that wasn’t a parking spot. I had cars on both sides and this one lady who had parked in the through way behind me. I almost got out of the spot when I light tapped her bumper. I went inside (it was a doctor’s office), and waited for her to let her know. She said infront of the whole waiting room that she was worried that she didn’t leave enough space. She asked not to go through insurance, she didn’t report it, didn’t take pictures and made a verbal agreement with me to go through a shop between us and that wherever I wanted her to go was fine with her. I felt a bit wronged since she was parked incorrectly. However I gave her a place to go to then she started harrassing me on my answering machine and ran to insurance and put me to blame and they are accepting that I am at blame!! Over a week later!! What can I do?

  • InsuranceHotline

    Since the other vehicle was parked and you hit her vehicle, it is likely that you will be found 100% at fault for the incident.

  • InsuranceHotline

    if your are found to be not at fault then your insurance company will pay under the direct compensation section with is included in every Ontario auto insurance policy.

  • InsuranceHotline

    In most provinces you don’t have to report damage under $2000.00 so you should be fine.

  • InsuranceHotline

    once you know how much it will be to repair you can make your decision. Remember that you will have to include paying your deductible.

  • InsuranceHotline

    It sounds like the other driver may be at fault since they were reversing.

  • InsuranceHotline

    Most of the time accidents that are not your fault will not increase you insurance premium.

  • InsuranceHotline

    If both vehicles were reversing, then they are each 50% responsible. They will have to pay 50% of your girlfriends damages also.

  • InsuranceHotline

    You were parked an your vehicle hit. So it’s a not at fault loss. In Ontario, not at fault losses do not count against you and your insurance premium.

  • InsuranceHotline

    If you report it to the police and get a report, it could be viewed as a hit and run. If you go through your insurance company you will be covered if you have purchased collision. You will have to pay the deductible so get an estimate first to see if it’s worth it.

  • justina

    i was parked outside in visitors parking at my condo. i came to put something in my car and the side was all scratched, front bumper to back bumper. if i go through insurance will my rate go up because the person took off?

  • InsuranceHotline

    It depends on where you are insured. In the province of Ontario it would not be held against you. Make sure that you get a police report if you don’t have one, your insurance company might consider it an at fault loss rather than a hit and run. The insurance company will pay under the collision (if you purchased it) section of your policy and you will have to pay the deductible.
    see if your condo has video of the collision. It might help identify the other driver, if you can get their insurance information then you would not have to pay your collision deductible.

  • Banny Lo

    Hi me andi my girlfriend was sitting in my car parked in the parking lot. Then 5 mins later a truck backed right into my side. Both doors damaged. Seeing a specialist for bodily injuries. What should I do, settle if the at-fault insurance gives us an offer? And how do I know if its worth settling ?

  • InsuranceHotline

    You can get a couple of estimates for the damage to your vehicle and then compare it to what your insurance company says.

  • InsuranceHotline

    you should report it to the police and your insurance company.

  • Lucy

    I backed out of a parking space at hotel i was staying at and this cage that was surrounding a pipe gouged the side of my car. The cage sat inside the white lines by 1ft and half. Is this something that the responsiblity of the hotel? I was not aware til after the accident just how far into the white lines the cage sat. Very frustrating

  • InsuranceHotline

    Most of the time the vehicle that is moving is considered to be at fault. You can try getting reimbursed from the hotel but that might be a tough fight since you drove into the pipe (even though it was sticking out)

  • Lloyd


    I was in an accident in a parking lot of a shopping complex. 3 way stop, both the other driver and myself say that we stopped first (I was to the right and had right of way in the event of a tie).

    There was a security camera on the corner, however, the mall says that they will not release the footage unless police are involved. I contacted the police, and they said as they were not called and that a report was not filed, that they will not be getting involved. The officer I spoke to said that we would need to go through civil court to access the footage.

    I have made a claim with my insurance company. Will they be able to pull the footage or will fault be determined by the appraiser of the vehicle? Is there any way for me to obtain the footage without going through the hassle of lawyers and legal fees? I am in Ontario

    Thank you!

  • InsuranceHotline

    That’s a good question. I really don’t know. You should speak with your insurance professional. They should be able to give you the answer.

  • hs

    Hi there,

    Yesterday i opened my car door and i have one big delivery bag with me, when i opened my car door my bag stuck on the door and my car door ding to other car which is parked beside me, its just small ding, hardly you can see the ding. Other guy took my licences photo. What should i do now?? i have to pay the deductible and it affects my rating too??

  • InsuranceHotline

    if the other driver reports it to your insurance company you could end up with an at fault accident on your record.

  • InsuranceHotline

    If your car was parked and the other driver reversed into it then they are 100% at fault. You have given your friend the opportunity to pay for the damage if they don’t, you can still go through insurance. Don’t leave it too long though. Insurance companies like to know asap if they are going to have to pay a claim.

  • Ann

    Hi. ❥(^_-)

    We hit/scratched a parked car in a parking lot but by the time we realized it, we were 10 minutes away at home (driver didn’t realized she was just food poisoned) – so we went back to the parking lot. Couldn’t find the car – went into the store hoping the staff could help us – no results. So we went to police and reported the accident. Got a file number (were told no accident had been reported yet at the parking lot).

    The next day a different police officer called us and asked us to go there as the vehicle owner filed a different file. We explained the situation. Got a police “collision report form”.

    Today in the police collision report, I saw the column “hit and run” is clicked “yes”. Is it a mistake or such situation is categorized as “hit and run” (no charge was pressed)?

    We only purchased liability insurance – Will it cover the damage to others? (We didn’t buy collision insurance).

    Many thanks!

  • InsuranceHotline

    since you have an incident number from when you went to the police station you should not face any charges.
    The damage caused to the other vehicle will be covered under the liability section of your policy but if you are in Ontario, the owner of the vehicle that was damaged will be paid by their own insurance company.

  • InsuranceHotline

    If the taxi driver submits an insurance claim, his insurance company may contact your insurance company. You may end up with an at fault accident on your insurance record.

  • juddy tejani

    We left our luxury vehicle at a valet parking garage in Manhattan. They checked around it for scrapes, r damage etc. None. We returned to see car backed into very tight spot next to white iron pillar. IT was extensively scraped with white paint across rt. ft. fender. Valets informed us damage was pre-existing and showed us our ticket with notation of damage. This was obviously added when we handed ticket in to be validated. (Our valet was present). Then ticket was inserted into machine to exit. Our word against theirs. How should this incident be reported? No proof exists. We are not responsible for damage. Garage denies any liability.. Our deductible alone is $1000.

  • Joyce

    I got into an accident in a private property (driveway) I hit the other truck, well I hit his snow plow and no damage to his plow but I damaged my right side of my truck it was dark then. I couldn’t judge how far the driveway was. Did a police report. Since it’s a private drive in Ontario what will happen

  • InsuranceHotline

    If you make a claim to your insurance company, you will have an at fault accident on your record.

  • InsuranceHotline

    In Ontario the damage will be paid for by your insurance. If you are not in Ontario, you should check with your province or state.

  • InsuranceHotline

    Since you were reversing you will be 100% at fault.

  • Alan

    I was delivering a Lyft passenger to an apartment complex when a vehicle parked backed out into my side door the person driving the other vehicle claimed not to have any auto insurance. What should I do? Now my personal insurance will not cover this, but Lyft will cover it but has a $2,500 deductible. Again, what should I do?
    I did get a picture of the vehicle that hit me license plate. I also have a picture of the other drivers drivers license. Again, what should I do?

  • InsuranceHotline

    if you are in the USA, you can try taking them to small claims court to have the damage paid for by them.

  • InsuranceHotline

    It depends on where you live and are insured. In Ontario, you would go to your own insurance company for a medical claim. Best to check with your insurance company

  • InsuranceHotline

    You can try contacting the other drivers insurance company’s claims manager or the insurance company ombudsperson if they have one. You should be able to find that info on their insurance company website.

  • David

    A guy lost his brakes and went on to my driveway and wrecked 2 of my cars.. his insurance says it does not cover it.. what should I do?

  • InsuranceHotline

    If you have collision coverage you can check with your insurance company to see if they will repair your vehicles.

  • jessica

    My car was hit in a parking lot while I was having lunch at a restaurant. I didn’t notice until I got home and walked around the back of my car, and saw a small dent an my chipped from the hit. I’m in a car loan and I’m not sure what to say to my insurance since I don’t have any information on who hit me. However, If since I’m in a loan and the car is not legally mine yet, I need to get it fixed and since I have full coverage, insurance will fix it right?

  • InsuranceHotline


    It depends on the province or state you are insured in as well as what coverage you purchased on your policy.
    You should contact your insurance professional to see what your next step should be.

  • Eoin

    Hi, I had a single-car accident in a parking lot. I was driving a rental car. It got a long scratch and slight dent on one side, My ‘collision damage plan’ insurance was purchased through Expedia from AIG insurance. However, I did not report the accident to the police. Am I likely to be covered?

  • InsuranceHotline

    You will have to find out what the rules for reporting an accident are in the city that you had the collision.

  • Blake Stevens

    Hello I was in a fender bender in a parking lot. And when I was getting ready to leave a car behind me (manual) let off clutch and rear ended me. But I did put my reverse lights on because I was going to change routes. Never got to do that though. Who is at fault?

  • InsuranceHotline

    Most of the time, collisions in a parking lot are settled on a 50/50 liability when both vehicles may be reversing.

  • Ash

    I was slowly backing my car up in the main lane of a parking lot for the guy moving the carts… the whole time I was going very slow and watching behind me. Suddenly a guy back up and hit the back of my car very hard. My whole bumper came off and he had a dent. He said it was my fault because his sensors in the car didn’t go off. Who would be at fault?

  • InsuranceHotline

    Since both of you were reversing, it is likely that you will both be considered to be 50% at fault

  • InsuranceHotline

    Since it’s your lawn chair it’s your responsibility.

  • InsuranceHotline

    Once it goes through insurance, you will have an at fault accident on your record. You could see an increase in your insurance premium.

  • Gary Jackson

    I was leaving a lot approaching the street I was going to turn onto, the car in front of me was doing this as well right at the edge of the street,stopped. I pulled behind him and made a complete stop waiting to turn on this street when. he throws it in reverse and slams into me before I can even honk my horn.Who’s fault is that?

  • InsuranceHotline

    Typically the driver that is reversing is considered to be 100% at fault.


    I was at work which happens to be for a school district, I parked at a parking block and usually if you hit the block you’ll hear a scraping noise. I didn’t hear anything but when I got in my car to leave I was backing out and a metal rod that was sticking up out of the block caught my bumper. It pulled it to the point that it broke the tabs holding the bumper on on the drivers side. It literally took 3 tries to finally get the rod to release. Is the school liable to pay for damages?

  • InsuranceHotline

    It’s unlikely that the school will be held responsible since you were driving. There position might be that you should have seen the rod.

  • jj

    would my insurance go up if someone hit my car while it was parked and i got all of the other drivers info so who insurance will go up mine or the other divers

  • InsuranceHotline

    you should not see an increase in your insurance rate as a result of being hit while parked. You should get a police report to be sure.

  • John cox

    Question? I was backing up out of 7 eleven parking lot. Guy was off loading items behind my car. Did not know he was coming towards my car with another load. I backed into it not knowing it was directly behind me. Not too hard but a little bump I to the pallet of beer. The guy was not hurt at all. But I saw the pallet at bottom shifted a bit but other guy pushed it back on. Gave me the thumbs up. Who is at fault?

  • InsuranceHotline

    Since you reversed into the other person it is likely that you will be found to be at fault.

  • Chelsea Silva

    Hello, I was in a parkinglot backing out, I have a rear viee camera so I checked it and there were no cars so I proceeded to bqck out and then all of a sudden there was another vehicle that backed out into me. We bith had hardly any damage, but she had more damage then me. To me it seems like she backed up way fadter then she should have. Who would be at fault for this?

  • Mike

    First Accident Worries

    So this morning I was parked in a spot and was easing my way out, looking over my right shoulder as I collided with a car. For some reason the damage is leading from his passenger side door all the way down to his right side bumper. The damage on the back of the car I was using is about a foot wide or long. In a normal case like this would that be damage I should normally expect to see or would you say he was driving a bit too fast in a parking lot causing the damage down the right side of his car? I’m just more or less concerned on who’s truly at fault and would like some honest and put about this situation.

    Thanks For Reading

  • InsuranceHotline

    You probably can’t sue. The thinking being that since you were reversing, you should have seen the extinguisher.

  • Anria

    I live in Ontario, work in Québec. My car was parked in the hospital employees parking lot (my spouse works at the hospital) and a ladder fell from the roof of the hospital and landed on the hood of my car. There are scratches and dents… will my insurance rates go up if I make a claim? I’m pretty sure the hospital will pay for repairs.

  • InsuranceHotline

    this would be covered under the comprehensive section of your policy if you had purchased that coverage. Your rates will not increase if you make a claim.

  • InsuranceHotline

    Yes. Even though 2 months had passed, the other drive can still either go through ICBC or you can pay the damage.