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Why am I at fault when someone hit me in a parking lot?

I was going through a parking lot when a car backed out into me. I have to submit a claim to my insurance even though I don't think I'm at fault. Why?

Emily Maracle · Updated on Oct 11, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“It can be incredibly difficult for

car insurance companies

to determine fault in parking lots.

In most cases, if both vehicles are moving, they share fault. If only one vehicle is moving, the moving vehicle is at fault.

However, these rules don’t apply if you live

. In this case, neither party is at fault, and both have to submit claims to their insurance. By submitting a claim, you may have to pay your

collision insurance

deductible to cover damage to your vehicle.

While it may not seem fair, it prevents you from having to settle in court or negotiate with the other driver’s insurance company.

If you notice any rise in your car insurance rates as a result of the parking lot incident, you may want to shop car insurance rates with

during your next policy renewal. Use the Jerry app to get quotes from over 45 insurers without the hindrances of making phone calls or getting unwanted spam.”

More:

Your parking spot’s impact on your car insurance rate

View full answer

WHY YOU CAN TRUST JERRY

Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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