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Q

How do you define a parked car? Is you car parked if you are stopped at a red light? If your car is in a parking spot and it is running and occupied is it parked?


A

The official definition of a "parked car" can differ depending on the insurance company or state laws.

In general, a car is defined as parked if it is stopped and unattended off of a public roadway. Sometimes a parked car can also be defined as a vehicle that is stopped, occupied and running, but out of the roadway or in a parking lot or facility.

Typically, a car at a red light is considered stopped and not parked. Normally a vehicle is still in gear and on a public roadway when at a light or stop sign so therefore is not parked. A vehicle that is occupied with the engine running might be considered parked if the car is still in "park" as the gear selected and is off of the roadway in a parking spot.

View our coverage definitions page to review what coverages would protect your parked car. See our coverage insurance guide to see what coverage covers six common accident scenarios.


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2 Responses to "How do you define a parked car? Is you car parked if you are stopped at a red light? If your car is in a parking spot and it is running and occupied is it parked?"
  1. Anonymous

    Very helpful information.

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  2. Anonymous

    I thought that this answer was very helpful.

      Reply»