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QuestionInsurance Question  I was hit by another vehicle in a department store parking lot. I do not have collision coverage on my vehicle. The driver of the other vehicle claims to have collision coverage. So who will pay for damages done to my vehicle? Does it matter if the other party was at fault. Do I make the claim with my insurance company or theirs?

AnswerAuto Insurance Answer

Yes, it matters who was at fault in the parking lot accident. If the other party was at fault then you would normally want to make a claim through their property damage liability coverage.

If you had collision coverage then you could make a claim that way and then let your insurance company subrogate against the at fault party or their insurer. Since the other driver has collision coverage this means that party could place their damages through their own insurance company.

You cannot place a claim through your own insurance carrier since you do not have collision coverage. Thus you would need to put it through the other person's insurance since they were the at fault party in the accident. If for some reason they were not found at fault by their insurance provider and your claim was denied then you would either be left to pay for the repairs yourself or take the at fault party to court and try to get a judgment against them for the cost of your repairs.

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