Buy the insurance counsel of the other organization. It is regularly the event that the other congregation Testament not thirst to allow you their counsel. This is when matters can influence complicated.
It is not few to scrutinize heads backing absent of a parking spot while smoking a cigarette, or talking on their cellular telephone.
Most parking lots in America are considered private Belongings, which wealth colorful rules handle to them. There are many issues that come up in any inured parking parcel accident that you itch to be able to deal with. Here are hardly any steps you should spring from to protect your interests.
Instructions
1. Buy a witness. Whether you achieve not obtain witnesses (insurance companies need independent witnesses, so your passengers Testament not count), you may be left with a problem that cannot be solved. Essay to receive the autonym and figure that aphorism what in truth happened.
2.Parking Quota CollisionA parking plenty accident can ruin your weekend. Some parking lots are insignificancy short of life a lethal trap. How can you folder a disclose provided you effect not include their info? Insist that both parties must replace clue for insurance purposes. Whether they act not longing to conform, telephone the police.
3. Bell the police. Bring about this all the more if someone has already done it or several hours have passed since the time of the collision. Most police officers will not answer to a parking lot accident (private property = no jurisdiction). However, if they do not come to you, you can go the closest police station and file a "walk in report."
4. File a police report or a walk in report. A walk in report is a written statement by you of your account of what occurred. Write everything you know and exactly what happened. This will help you later on to document your claim. Sometimes, this will be the only piece of evidence that will come in.
5. Even if your parking lot accident is minor and the damages are not significant, call your insurance company and put them on notice. This will protect you in case the other party makes a claim against you. Remember that a parking lot accident is the single most disputed accident out there. Make sure you file a police report, even if that is a walk in report. This will protect you in case the other person does not have insurance.
Most Uninsured Property Damage Coverage in the policy makes it a requirement that you file a police report, this will accomplish that.
6. If you do not have a witness, answer and to the parking lot and talk to the business owners (or managers). Many parking lots in America have surveillance cameras and it is likely that the accident was recorded. This will be the single most important piece of evidence. Should your adjuster get that? Yeah, she should. But that does not mean that she will. Unfortunately there are many adjusters that will only take a recorded statement and call it an investigation. Some stores will sell you the recording; make sure you keep a receipt so the insurance company can reimburse you for your expense.
7. If there is no video, take pictures of the parking lot. This will help your adjuster determine how much visibility you had. It will also help them determine if there was other factors that may excuse you completely.
8. After the accident, try to draw a diagram of the accident. This diagram does not have to be your best work of art; it can simply be boxes and lines to show the position of the vehicles.
9. Submit all the information to your adjuster and give them a statement. They will take all the information and help your case.
