Accident - Parking Lot urgency - Fault, Negligence and Other Issues
Hi friends. Yesterday, I discovered Accident - Parking Lot urgency - Fault, Negligence and Other Issues. Which may be very helpful in my opinion and also you. Parking Lot urgency - Fault, Negligence and Other IssuesA parking lot emergency can ruin your weekend. If you ever went to the grocery store, you know that the 
parking lot is a deadly trap. It is not uncommon looking citizen backing out while 
smoking a cigarette, or talking in their cellular phone. It is even worst when 
you honk at them and they look at you as if you were doing something wrong. If 
you are in a parking lot accident, there are any things you need to know 
about before it is too late.
Accident
Most parking lots in America are determined hidden 
property, and most of the accidents are low speed impacts. This means that 
"usually" there will not be citizen development bodily injury claims, at least not at 
the scene. The aggregate of the two allows the police decline your call for 
help. It is very likely that the police will not sass to document the 
damages.
You will be left at your own devices to get the other 
party's facts and defending your case. A parking lot emergency ordinarily gets 
complicated. Drivers have very separate perspectives of what happened and word 
vs. Word situations will most likely arise if you do not have witnesses 
(insurance companies need independent witnesses, so your passengers will not 
count).
It is often the case that the other party will not want to 
give you their information. This is when things can get ugly. How can you file a 
claim if you do not have their information? Call the police again (even if that 
is after they left) and try to get them to come out. If they don't, then go to 
the closes police middle point and file a walk in report. Write all you know 
and exactly what happened. This will help you later on to document your claim.
There are two reasons why citizen won't give you their 
insurance information. Either they do not have insurance (way to often in the 
U.S.) or they think you are responsible for the accident. The coarse view is "if 
you hit me, then your insurance should pay". In no fault statues (like 
Michigan), this does not apply, but all fault states most driver do not want to 
file against their own insurance company. Although this is a cheap 
deduction, it is misguided.
Insurance agents try to discourage citizen from development claim 
against their own insurance policy. They worry about your rates. Most of the 
time, your rates will not be affected if you are a good customer and the 
accident is not your fault. Agents also have personal motives for this; they 
have "loss ratio" percentages that can lower their commissions, so they want to 
discourage claims as much as they can.  No filing a claim can jeopardize 
coverage, you have a duty to record an accident, and not doing so can left you 
without coverage.
This can put you in a very bad spot. If you do not file a 
claim then no defense against bodily injury claims and ludicrous claim will be 
paid by the insurance company. Protecting your defense possession can save you 
thousands of dollars in legal fees in paying someone's alleged injuries.
Even if your parking lot emergency is minor and the damages 
are not significant, call the insurance firm and put them on notice. This 
will safe you in case the other party makes a claim against you. Remember 
that a parking lot emergency is the single most disputed emergency out there.
Make sure you file a police report, even if that is a walk 
in report. This will safe you in case the other man does not have 
insurance. Most
Uninsured asset Damage Coverage in the course makes it a requirement that 
you file a police report, this will achieve that.
It is a great idea to go back to the parking lot and talk 
to the firm owners (or managers). Many parking lots in America have 
surveillance cameras and it is likely that the emergency was caught in tape. 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.
 
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