But there are some cases where an accident is two drivers faultfor instance two people may back out at the same time and hit each other.

Does insurance cover accidents in a parking lot. Vandalism and accidental damage that is not a result of a collision is covered by comprehensive insurance. Lets walk through a few common scenarios. There is usually an at-fault driver when theres a parking lot accident.

How Does a Parking Lot Collision Affect Car Insurance. How does insurance cover parking lot accidents. But there are some cases where an accident is two drivers faultfor instance two people may back out at the same time and hit each other.

Not all types of incidents occurring in your parking lot are covered by insurance. A parking lot accident is treated the same as an accident anywhere else. Most parking lot accidents are not too serious.

If youre found to be at-fault your premiums may rise unless you have an accident. There is usually an at-fault driver when theres a parking lot accident. In Indiana this is classified as a Class A Misdemeanor which can lead to a maximum of one year in jail and 5000 in fines which insurance will not cover.

Parked cars are insured if on the road driveway or parking lot. Laws also differ on whether incidents in a parking lot are your responsibility. Any collision can impact your insurance rates.

An insurance agent like an Erie Insurance agent can tell you more about this important coverage. Contrary to what many think parking lot accidents are treated the same by insurers as other types of collisions. If reported it will go on your driving record and it could impact your insurance premium.