Accident insurance for parking lots !

Submitted by Anonymous (not verified) on Thu, 10/05/2006 - 04:40

Hi.. I've recently got a ticket in connection to a parking lot mishap involving my car!
Is it that the road rules are not applicable for parking lots ?? Pls help !

regards, Martha Garcia

Posted: 05 Oct 2006 05:29 Post Subject:

Hey there !

Certainly you're right in saying that they don't apply on parking lots incase they are based on anyone's private property eg. shopping malls, but believe they don't apply as long as they are road rules. The insurance rules may remain same for both the cases, though the procedures may be different in relation to the place.
In reality the law enforcement authority for that area is expected to reciprocate first. Under the circumstances a law enforcement official would note it down as an accident irrespective of whether it is in a parking lot or any other place !

But the state laws commanding the roadways may vary from place to place.

Thanks, sasha.

Posted: 05 Oct 2006 07:50 Post Subject:

Hi, rest assured that most of the insurance rules that apply on your vehicle do not vary at all even when you get into a parking lot. When you are backing out of a parking lot, if you collide with another car you might well be taken as the offender if your victim has the right of way. Similarly, if you both may have collided while backing out of the lot, you both might be held responsible!!
Regards Gertrude

Posted: 05 Oct 2006 08:37 Post Subject:

Its actually that simple to explain !
Its quite noticeable that we don't come across any speed limits or traffic alerts in the parking lots, do we ??
hence it could be tempting for most of us to cut through wellmarked traffic lanes or enter a one-way traffic route by mistake. Thus evading traffic rules could prove fatal, just as children passing between parked cars.

Posted: 05 Oct 2006 09:10 Post Subject:

Oops! Believe me guys I've come across a lot of such mishaps where in neither party's policy would reimburse the losses since both the drivers share the losses mutually. So if you don't have a vehicle liability insurance then you're no where to claim for even the first $10,000 worth of physical injury or property damage. Doesn't matter whether you're at fault or not.

Good query, Fatman.

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