Parking Lot Accident: Now What?

Reviewed By: Ben Cavallo, CIC, AAI, CISR

With more than a decade of experience under her belt, Laura Inglis heads up the C&S Insurance Claims Department.

Parking lots are one of the most common places where car accidents happen. Whether it’s a minor fender bender or finding a dent on your car after returning from a shopping trip, these accidents can be frustrating and overwhelming. However, knowing what steps to take after a parking lot car accident can make a big difference in handling the situation smoothly. Here’s a guide on what to do next.

1. Ensure Safety First

The most important step is to ensure that everyone involved is safe. If anyone is injured, even slightly, call 911 and get medical assistance immediately. If no one is hurt, try to move your car (if possible) to a safer location to avoid further incidents. This could include moving your vehicle to a nearby parking spot or out of the traffic flow.

2. Do Not Leave the Scene

Leaving the scene of an accident, even in a parking lot, can have legal consequences. Whether you’re at fault or not, make sure to stay at the scene and assess the damage. Leaving may be considered hit-and-run, which is a serious offense.

3. Exchange Information

If the other driver is present, exchange all necessary information. This includes:

Name, address, and phone number
Driver’s license number
License plate and vehicle information
Insurance details (company name, policy number)

It’s also a good idea to jot down the make, model, and color of the other vehicle for reference.

4. Document the Scene

Take photos of the damage to both vehicles, as well as the scene of the accident. Be sure to capture wide shots of the area, the damage from various angles, and any relevant details like nearby traffic signs, light conditions, or skid marks. This documentation can be crucial when filing an insurance claim.

5. Look for Witnesses

If there are any witnesses to the accident, get their contact information. Witness statements can help clarify what happened, especially if there’s a disagreement about the details.

6. Notify the Authorities

While some minor accidents may seem insignificant, it’s always a good idea to call the police and file a report. A police report can provide an official record of the incident, which can be important when dealing with insurance companies.

7. What If the Other Driver Isn’t Around?

Sometimes, you may find damage to your vehicle without the other party present. This can be frustrating, but there are still steps you can take:

Look for a Note: In some cases, the responsible driver might leave a note with their contact and insurance details. Make sure to check your vehicle thoroughly.
Document the Damage: If the other driver isn’t present, take photos of the damage and the surrounding area. This visual evidence can help in your insurance claim.
File a Police Report: If the responsible driver cannot be found, it’s important to file a police report. This is especially necessary in hit-and-run situations. A police report will be essential for insurance claims and, in some cases, may be required by law.
Notify Your Insurance Company: Contact your insurance company as soon as possible to report the accident. If you have collision coverage or uninsured motorist property damage (UMPD) coverage, your policy may cover the costs of repairs.

8. Understanding Insurance Coverage

Knowing what your insurance covers can make the process easier:

Collision Coverage: This type of coverage helps pay for repairs to your vehicle after an accident, regardless of who is at fault.
Uninsured Motorist Property Damage (UMPD): If the responsible driver doesn’t have insurance or cannot be identified, UMPD can cover your damages.
Hit-and-Run: If you’re the victim of a hit-and-run, your collision or UMPD coverage might help cover the damages. Always report the incident to the police as soon as possible, as it is considered a crime.

9. Preventing Future Accidents

While accidents happen, there are steps you can take to minimize the risks of parking lot incidents:

Choose Well-Lit Parking Spots: Park in areas that are well-lit and preferably near entrances and exits, as these tend to be safer.
Stay Alert: Be extra cautious when driving in parking lots. Pay attention to pedestrians, other vehicles, and potential hazards.
Obey Parking Lot Rules: Follow all speed limits and parking regulations. This can reduce the likelihood of accidents and make the area safer for everyone.

While parking lot accidents can be frustrating, taking the right steps immediately after the incident can help you manage the situation more efficiently. From exchanging information to understanding your insurance coverage, being prepared is key. By staying calm, documenting the scene, and communicating with your insurance company, you can ensure that the process is handled as smoothly as possible. Stay safe, stay aware, and know your options when it comes to parking lot accidents.