After a collision in a parking lot, it’s common to feel scared, frustrated or confused. Understanding the next steps can be challenging, especially when you're unsure about how fault works in these situations. Knowing whether parking lots are "no-fault" zones is an important aspect of the process, so you know if you are eligible for compensation.
What Is a “No-Fault” Zone?
A "no-fault" zone refers to an area or system where each person involved in an accident must rely on their own insurance to cover their medical expenses and damages, regardless of who caused the accident. In states with no-fault zones, drivers are typically required to have personal injury protection (PIP) coverage as part of their insurance.
Are Parking Lots Considered “No-Fault” Zones?
Generally, parking lots are not considered "no-fault" zones. This means that if you’ve been involved in an accident in a parking lot, it may be possible to seek compensation from the other person’s insurance if they are found to be at fault.
Whose Fault Is It if You Get Hit in a Parking Lot?
The question of fault in a parking lot accident can depend on several factors. A lawyer can help you identify the at-fault party.
Other Drivers Hitting Your Car
If another driver hits your car, determining fault typically depends on
who had the right of way. Many parking lots feature signage and pavement markings to indicate the right-of-way, helping drivers navigate the lot safely. Additionally, cars backing out of a parking spot must generally yield the right-of-way to cars in motion in the lanes.
The Property Owner
In some cases, the fault for a parking lot accident may fall on the property owner, especially if there were obstructions that limited drivers' visibility, poor lighting or other hazardous conditions within the parking lot.
A Driver Who Hit You as a Pedestrian
If you were walking in the parking lot and were struck by a vehicle, the driver is nearly always considered at fault, as
pedestrians have the right of way. This is especially important in parking lots, where pedestrians may be walking to their vehicles or entering stores.
Do Police Respond to Accidents in Parking Lots?
Whether or not police respond to a
parking lot accident depends on several factors. Typically, parking lots are private property, which means police have less responsibility to respond unless there’s an injury or traffic obstruction.
Will Insurance Cover a Parking Lot Accident?
Insurance coverage for parking lot accidents can vary depending on whether the state is a no-fault or at-fault state.
“No-Fault” Insurance States
In no-fault insurance states, your own insurance may cover the costs of a parking lot accident, regardless of who is at fault. These states include:
- Massachusetts
- New York
- New Jersey
- Pennsylvania
- Florida
- Kentucky
- Michigan
- Minnesota
- North Dakota
- Kansas
- Utah
- Hawaii
In any of these states, you may be liable for your own injuries after a parking lot accident.
“At-Fault” Insurance States
In at-fault insurance states, the other driver's insurance may cover the costs of the accident if they are
determined to be at fault. A lawyer can help you understand how to pursue compensation.
A Lawyer Can Help You Understand Fault in Parking Lot Accidents
Parking lot accidents can leave you with more questions than answers, especially when it comes to navigating insurance claims and liability. At Sargon Law Group, we’re here to simplify the process and advocate for your best interests. Our team has the knowledge and resources to guide you through your legal options and help you understand whether your parking lot accident occurred in a no-fault zone.
Contact us today to get the support you need.
