Most people believe that parking lot accidents follow different rules because parking lots are considered private property. This misconception often leads to the myth that your auto insurance in Cheraw, SC won’t cover damages. However, there are important facts to understand about parking lot accidents.

Traffic Rules Still Apply

Even though parking lots are private property, the same traffic laws apply as they do for accidents on public roads. If you’re involved in a parking lot accident, it’s crucial to take photos of the accident scene, file a claim, and contact the police to obtain a report. The police can help determine who is at fault, which will guide the decision on whose insurance will cover the damages.

Your Insurance Coverage Remains the Same

Your auto insurance will provide coverage for parking lot accidents just as it would for accidents on the road. If you are at fault, liability insurance will cover the other party’s damages. Additionally, collision and comprehensive coverage will function the same way. Companies like Ingram Insurance can assist you in understanding your coverage options.

Key Differences in Parking Lot Accidents

There are some notable differences between parking lot accidents and roadway accidents. For instance, police may not respond to the scene if no injuries are reported, which means you might not be able to obtain a police report. Determining fault can also be more challenging due to the lack of clear lane markings in many parking lots.

To protect yourself, document everything thoroughly. Collect the names and phone numbers of witnesses, and ask the business if they have security cameras that captured the accident. These details can be crucial in proving fault.

At Ingram Insurance, we understand that parking lot accidents can be more complex. Our experienced agents are here to help you navigate these situations. Contact us today to learn more. We proudly serve the Cheraw, SC area.