Parking Lot Accidents

If You Experience a Parking Lot Accident

Backing out. Checking for pedestrians. Monitoring rogue shopping carts. Driving in a parking lot is no simple task. That’s exactly why accidents occur there so often. Fortunately, slower speeds make serious damage and injury less likely in parking lot accidents.

If you’re involved in a parking lot accident, we’re here to help. If you’re a policyholder, follow these simple steps to get back on the road.

File a claim

To start a claim, contact us at 888.404.5365.

Or, if you were involved in an auto accident and no one was injured, file your claim online.

At the Scene

Check for injuries.

While slower speeds may make injuries less likely, it is possible for a driver, passenger or pedestrian to be injured in a parking lot accident. If anyone appears to be injured, immediately call 911 and begin first aid if needed.

Call the police.

Report the accident to police. Because parking lots are high-traffic areas, officers can help drivers, passengers and pedestrians involved in the accident, re-route traffic and assist with accident clean up. Most important, officers will file a formal accident report, which will help everyone involved in the claims process.

Exchange information.

Gather information from anyone else involved in the accident.

  • If this involves store property — such as a shopping cart or cart corral — get name, contact and insurance information from the store manager.
  • If a pedestrian is involved in the accident, get the person’s name, contact and insurance information.
  • If another driver is involved in the accident, ask for the driver’s contact and insurance information. In addition, note the other vehicle’s license plate number. (Snap of a photo with your phone if you don’t have a pen and paper handy.) Unfortunately, some drivers will insist they are not at fault and that there is no reason to give you any information. If the other driver leaves the scene without communicating, the license plate number will help you track him or her down.
  • If there are independent witnesses, ask for their contact information and whether they’d confirm details about the accident.

Make notes.

Jot down the date, time, weather and conditions in the parking lot. (This can be useful if a wind gust flung a shopping cart into your vehicle and caused a dent.) Make notes about what happened, including what you saw, heard and felt. Write down the number of people involved and any injuries you saw.

Take photos.

If you have a smartphone or camera, take pictures of the scene. Photos help show what happened in the accident and the degree of damage. If you can, make a diagram to illustrate the course of events, too; doing this while the accident is fresh in your memory will help your recall later.

At home

Give us a call.

Once you are at a safe location, call to start a claim or notify us that someone will be starting a claim against you. Have your policy number on hand. We’ll ask you some basic questions about the accident. Call us regardless of how little damage you see. We’re here to help.

Get a check-up for you and your vehicle.

Though parking lot accidents may seem minor, injuries can occur. If you have suffered any injuries, visit your doctor. Even if there does not appear to be major damage to your car, there may be internal problems. Take your vehicle to an auto repair shop for a more thorough inspection.

Preventing Parking Lot Accidents

  • If you can, avoid shopping centers at rush hour.
  • Keep your eye out for rogue shopping carts. The wind can send a full cart careening toward you in a split second.
  • Avoid parking near cart corrals where shopping carts are returned. Shoppers sometimes miss corrals when returning carts and bump vehicles parked nearby.
  • Pull forward into a parking spot so you won’t need to back out.
  • If possible, park in an unoccupied parking spot that is away from other vehicles.
  • Check for signage and other parking lot barriers. Be especially aware of short poles or signs that you might not see when backing out.
  • If your car is equipped with a back-up camera, use it to avoid bumping into barriers behind you.
  • If you’re driving a vehicle that’s new to you, be aware of blind spots. Double-check the view from all angles before backing up.
  • Focus on your driving. Don’t let your phone, radio, children or anything else distract you from driving safely.