Big parking lots: Responsible for Thousands of Car Insurance Claims

parking lotThe next time you make a trip to a shopping mall or big box store, drive with caution. U.S. nationwide car crashes and fender benders happen on a regular basis in the parking lots, access roads and surrounding shopping areas.

Insurance4lessdirect.com is warning motorists to take extra caution when they embark on their weekly food run as claims for damage such as scratched paintwork and dented bumpers can significantly affect car insurance premiums.

The top four car park mishaps were:

  1. Bumps and scratches caused by drivers trying to reverse into tight parking spots
  2. Dents caused by banging car doors against another parked car
  3. Reversing into another car while trying to back out of a space
  4. Scrapes and scratches due to runaway shopping carts

Nick Nicholaidis, PR Manager at Insurance4lessdirect.com said: “Although most motorists are driving at low speeds in parking lots, a surprisingly high amount of accidents occur. Many drivers are too busy thinking about shopping and not concentrating on their driving leading to careless mistakes. These small bumps and scratches can have a big impact on car insurance premiums.”

Shopping mall parking lots can be notoriously difficult to navigate, as drivers throw caution, and the rules of the road, to the wind in frantic search of a parking space. The layout of some shopping mall driving, drop-off, and parking areas, combined with shrubbery, hedges and other visual obstacles, can add to the confusion of mall driving.

But, if you are involved in an accident in a parking lot who pays what? “Many factors may determine who will pay for any damage. Usually the party who is cited for the accident will be responsible for the damages. If the police are not called and the drivers exchange insurance information and the loss is later reported to the insurance company then an adjuster may decide who is liable. But make sure that at least your vehicle is insured”- ended Nicholaidis.

Did you know: If you were hit by another vehicle in the shopping mall or supermarket parking lot and you are unable to make a claim against the at-fault party because they are unknown, then you should be able to place a claim against your own collision coverage.

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