Parking lots are a near-daily visit for most of us in Reading, Wyomissing, Myerstown, Sinking Spring, Wernersville, PA, and the surrounding areas, whether that’s for work, grabbing groceries, doing some shopping, or attending a sporting event. Parking lots can end up being free-for-alls sometimes, and you may find yourself in a bad situation. Stubbs Insurance Agency can help you understand how your car insurance can come into play with accidents that happen in parking lots. Different kinds of accidents will engage different aspects of your car insurance, and it is important to understand these different parts of your car insurance. There will be someone at fault for the accident, either yourself or the other driver, unless it happens to be both drivers’ fault. We can help to explain what to do when an accident happens in a parking lot. Contact us today to schedule a review of your car insurance to be sure you have the right coverage levels for your needs.
Yes, Your Car Insurance Will Cover the Accident
This is the short answer that drivers are looking for. In most cases, your car insurance will help to cover the parking lot accident. If you hit a vehicle in the parking lot, it is important to stay there while you move your vehicle out of traffic. You will likely be talking with police to file an incident report, as well as exchanging information with the other vehicle’s driver about insurance and contact. You should also call your car insurance agent to let them know of the incident and to be prepared to provide evidence, numbers, and more.
On the other hand, you may come out to the parking lot and find that someone has hit your vehicle. Hopefully they have left their information for you to contact them about the accident, but in some cases that won’t happen. Make sure to call your agent to let them know about the incident and then see if you are able to get details such as a surveillance video to find the vehicle plate and track down the driver.
The Importance of Each Portion of Car Insurance
When you are involved in an accident in a parking lot, it is possible that the other driver does not have insurance on their vehicle. The underinsured/uninsured motorist provision of your car insurance is designed for this situation, and while it is the law that drivers have a minimal amount of coverage, that doesn’t guarantee that they will actually have it. It is also important that you have the right level of coverage, as too little means the balance will come from your pocket.
Whether you are driving on the freeway, city streets, or in a parking lot in Reading, Wyomissing, Myerstown, Sinking Spring, Wernersville, PA, and the surrounding areas, your car insurance is there to help protect you from huge financial obligations due to a vehicle accident. Stubbs Insurance Agency can help to explain what each part of your car insurance does, as well as ensure that you have the right level of coverage. Contact us today to learn more about your car insurance policy.
