A city with stadiums, an arena and large retail centers produces an enormous number of low-speed parking lot collisions. They are minor, they are common, and they are settled differently from anything that happens on a road.
No police report, no independent witness and shared fault is the normal shape of a parking lot claim.
Three things about damage that happens off the public road.
Two vehicles reversing, unmarked lanes and no right of way established by signage produce shared-fault findings far more often than road collisions do. A split determination means your own collision cover does much of the work, and your deductible applies even when you feel the other driver was more at fault.
Returning to a damaged car with nobody present is handled differently by different carriers: sometimes collision with a deductible, sometimes uninsured motorist property damage. Which applies, and whether a police report is required, is worth knowing before it happens.
A scraped bumper against a five hundred or thousand dollar deductible usually should not be claimed. Knowing that in advance, and setting the deductible with it in mind, is more useful than any endorsement.
The cover for low-speed, high-frequency damage.
High enough to keep the premium sensible, low enough that a real claim is worth filing.
It varies, and the answer determines whether a deductible applies.
Some carriers waive it when the other driver is identified and at fault.
Tell us your current deductibles. That is the main lever on this kind of claim.
We set the deductible for the claims you are actually likely to have.
Request a quote