Dealing with minor parking lot damage
Parking lot accidents happen all the time. As far as collisions go, a parking lot accident ranks pretty low on the scale. Regardless, they can still be a major nuisance! If you’ve been involved in a parking lot accident, or just want to know more about them in case something like that happens to you, this is the right article.
What to do if the other party is present
If the other person involved in the accident is present, dealing with the situation should be much easier. Start by taking photos of the vehicles, whether or not there is visible damage. Don’t be afraid to take as many pictures as possible – this is so you have proof that you can present to your insurance company should they question your blame in the accident. The police often won’t make a full report on parking lot accidents since they’re technically private property – if you feel the accident is serious enough, you can always call and ask!
You should get the other person’s contact information and exchange insurance information with them. Be sure to get their address. This is very important; if you need an attorney for anything, you won’t be able to locate the other party or pursue your charges without an address.
If the accident left you with any kind of an injury or substantial damage to your car, you will want to file an insurance claim. People often don’t want to file a claim to avoid increased insurance premiums, so it will be up to you to make the call. If your damage or injury is lower than your deductible, it might not be beneficial to file a claim.
What to do if it’s a hit and run
If you notice damage to your car after the fact and can’t find the car that hit you, it’s would be considered a hit and run scenario; someone bumped into your car and felt they could get away with it since no one was around. Tracking down the other party involved is your first priority, and you should start at the scene of the accident.
Ask any people you see nearby if they saw who hit your car and if they remembered the plate number. Also, check the surrounding areas for any security cameras that may have recorded the accident. Take their names and numbers so that you can call them later as witnesses. Call the police and report all of your information, making sure to write down the report number so you can use it in your insurance claim. Some insurance companies may require a report on a hit and run within 24 hours (to the police) for the claim to be considered valid.
If the driver of the other car can’t be identified, you’ll be paid out under the collision section of your insurance policy regardless. It is always better to find the other party involved and hold them accountable if you are able though!