In this situation the fault could be split 5050 but the rules vary slightly by provincially legislated rules.

Auto insurance parking lot accident rules. How Does a Parking Lot Collision Affect Car Insurance. Parking lots generally have two types of traffic lanes. Parking lot main lane and feeder lane crash.

In the event of two moving vehicles backing up into each other both drivers will be deemed at fault. The first is that any accident resulting in injury to a person must be reported. The only good thing about a parking lot accident is that they are usually minor.

It is a common myth to think a vehicle parking lot accident puts both vehicle owners at fault. Parking lot accidents should be handled the same way that you would handle any other accident. Parking lot accidents are treated the same way as accidents on the road.

If your accident causes 2000 or more in combined damage vehicles and property then it must be reported. If someone is injured in your parking lot accident you must report it to the police. Further in a parking lot as on public roads a driver may face criminal charges for actions such as drunk driving or leaving the scene of an accident.

These rules include. Reversing from parking spots at the same time. Crash while reversing from a parking spot.

Theyll investigate determine fault and payout damages accordingly. A driver pulls forward out of a space and into the traffic lane. While liability varies by situation your insurer will do their best to avoid placing you at fault whenever possible.