Have you ever wondered what happens after a car accident in a parking lot? If so, rest assured you are not the only one. CO Insurance Specialist has the answer.

Auto Insurance Coverage for Parking Lot Accidents

In general, most parking lot accidents are considered no-fault. This means a collision between two vehicles in a parking lot is not always the fault of either driver. Rather, the accident is viewed as no-fault as it is difficult to prove one party is clearly at fault in many parking lot collisions.

Why?

Because parking lots in Wheat Ridge, CO typically lack signage and are often short on space, making it difficult to maneuver through them. As such, collisions in these cramped spaces are sometimes the fault of both parties as opposed to only one party.

If you are involved in a parking lot accident, contact your insurer. File a claim with the insurance company. The other driver involved in the accident will also file a claim with his or her own auto insurance provider. As long as the policy is active, paid up and has the proper coverage, there’s a good chance the resulting damages will be paid for minus the deductible.

Is It Possible To Prove Fault?

There’s a chance you can prove fault in a parking lot accident yet doing so is onerous. If a surveillance camera or your vehicle’s dashboard camera caught the accident on tape, that video footage can be used in a court of law to prove fault. However, the opposing driver might argue that the lack of signage or insufficient space contributed to the accident.

Moreover, it is possible to prove fault if an eyewitness testifies on your behalf. Keep in mind, if the other driver lacks insurance, your policy’s uninsured motorist property damage coverage might kick in to cover resulting damages.

Get Your Quote From CO Insurance Specialist

Your auto insurance quote is a call away. If you live in or near the vicinity of Wheat Ridge, CO, contact us for more information.