Parking lots may look harmless compared to busy streets or fast-moving highways, but they are a common location for crashes, injuries, and insurance disputes. If you’ve been involved in a parking lot car accident, you may wonder whether insurance will cover your damages and who is responsible for paying them. Our team of experienced Orlando car accident attorneys at Brooks Law Group is here to break down what you need to know.
What makes parking lot accidents so common?
Parking lots are filled with moving vehicles, pedestrians, tight driving lanes, and limited visibility. These areas often have fewer signs, unclear right-of-way rules, and little enforcement. Combined, these factors create an environment where even cautious drivers can find themselves in unexpected collisions.
Many crashes happen because of distracted driving. Drivers can crash while searching for parking spaces or navigating crowded lanes. Without the structure of regulated traffic signals, cars and pedestrians may behave unpredictably. Understanding these risks helps drivers stay alert and prevent avoidable accidents.
Common Causes of Parking Lot Car Accidents
- Distracted driving while searching for a parking spot
- Speeding or failing to yield
- Poor visibility due to tight corners or large vehicles
- Drivers backing out without checking blind spots
- Failure to yield to pedestrians
These collisions can injure drivers, passengers, and pedestrians—especially children or elderly individuals walking through busy lots. Staying alert on foot or behind the wheel is essential.
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Do parking lot accidents involve commercial vehicles too?
Yes. Although many crashes involve personal vehicles, commercial trucks and delivery vans frequently navigate parking lots as well. These vehicles often have large blind spots, less maneuverability, and greater stopping distances than passenger cars. Even at low speeds, a commercial vehicle can cause severe damage or injuries.
Determining liability after a parking lot crash involving a commercial vehicle can be more complicated. The driver, trucking company, contractor, or even the owner of the property may share responsibility. That’s why it’s important to work with Orlando car accident attorneys who understand how to investigate these multi-party claims.
Who is usually liable in a parking lot accident?
Liability in a parking lot car accident depends on negligence—meaning someone failed to act with reasonable care. Unlike highways where traffic laws clearly define right-of-way, parking lots may lack clear markings. This can make fault determination more challenging.
Common Liability Scenarios
Two drivers backing out at the same time
Both drivers may share responsibility because each had a duty to check for oncoming vehicles or pedestrians.
A moving driver hits a parked car
The moving vehicle’s driver is typically considered at fault because parked vehicles are stationary and have the right to remain safely in place.
Speeding or reckless driving causes a collision
If a driver is traveling too fast or weaving through lanes, they may be held liable for injuries or property damage.
A commercial vehicle strikes a pedestrian or car
Liability may fall on the driver, their employer, or another negligent party depending on the circumstances.
To determine fault, attorneys rely on evidence such as security footage, dash-cam video, witness statements, accident reconstruction, and physical damage analysis. This information helps build a strong case for compensation.
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Do insurance companies cover parking lot accidents?
In most cases, yes, thanks to Florida’s insurance requirements. Parking lots are often on private property, but insurance companies still provide coverage for accidents that occur there. However, the type and amount of coverage you receive will depend on the policies involved and who is found at fault.
If both drivers share fault, insurers may divide responsibility based on comparative negligence. In Florida, this means your compensation may be reduced by the percentage of fault attributed to you. If a commercial vehicle is involved, multiple insurers may enter the claims process, making the situation more complicated.
Even though insurance generally applies, companies often try to minimize payouts. Consulting with knowledgeable Orlando car accident attorneys ensures your rights are protected throughout the claims process.
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What steps should I take after a parking lot accident?
Whether your accident happens in a small business lot or a major shopping center, taking the right steps can significantly impact your claim.
What to Do Immediately After a Parking Lot Car Accident
- Call 911 to report the accident and any injuries.
- Exchange contact and insurance information with all involved parties.
- Take photos and videos of the damage, surroundings, debris, and any hazards.
- Get contact information from witnesses.
- Seek medical care even if you feel fine—some injuries appear later.
- Contact an experienced attorney as soon as possible.
Delaying any of these steps may make it harder to prove your claim or recover full compensation.
How can Orlando car accident attorneys help with these cases?
Parking lot accidents may seem minor, but insurance claims and liability issues can become complicated quickly. At Brooks Law Group, our team evaluates your injuries, determines fault, gathers evidence, negotiates with insurance companies, and fights for fair compensation. We also calculate economic and non-economic damages so you understand the full value of your case.
Florida’s statute of limitations for most injury claims is two years, so it’s essential to act fast. Our firm works on a contingency fee basis, meaning you don’t pay unless we win.
Injured in a parking lot car accident? Look to Brooks.
From fender-benders to serious commercial vehicle crashes, Brooks Law Group is here to support you every step of the way. Schedule your free consultation today and learn how our Orlando car accident attorneys can help you pursue justice and compensation with confidence.
Don’t face the fight alone—Look to Brooks!
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