It’s not only the roadways where you have to be mindful of how you drive. Parking lots are hazardous for collisions too, particularly in winter when they might be covered with ice and snow.
Parking lots aren’t designed under the overview of the Ontario government and they aren’t covered under the Ontario Highway Traffic Act. So while charges may not be laid by OPP officers, there may be charges under other Federal or Municipal laws. Further, the location of the accident has no effect on fault determination for insurance purposes.
Sometimes drivers forget the rules of driving when they’re in a parking area.
A parking lot is private property and you must obey the posted signs. Some locations such as a mall or plaza parking lot may have stated rules about its use, and some property owners will have police handle issues/accidents on the property.
Here are some common events that occur in parking lots:
Check that the occupants of the other vehicle are okay
Take a picture of the vehicles with your cellphone before you move them. If damage is above $1000 then you can move the cars to a safer spot out of traffic, but you must contact police immediately. If it’s under $1000, then you should write down the other driver’s license number, name and his insurance policy and license plate number.
Never trust the other driver, since they may leave the scene or they may ask to you to not report it. Don’t agree to their interpretation of events or take responsibility.
You should contact your insurer right away since under no fault insurance, your insurer will be paying the damage claim.
Write down what happened that caused the accident and what you were doing. This is taken into account in determining insurance liability.
No legal charges may be laid and therefore no demerit points or fines, depending on how you or the other driver operated your vehicle.
To learn more about driver responsibility for different accident scenarios, take a look at the detailed guide produced by IBC.
Have you seen those surreptitious red light cameras they place at intersections around Markham and Richmond Hill? Drivers are getting caught running red lights. It’s a serious mistake. If you’re caught by an OPP officer, you could be facing charges, demerit points, and a fine. With red light cameras, you’ll be looking at a fine of $325, however your insurance and driver’s record won’t be affected.
Are you a college student without renter’s insurance? Find out why you should carry a policy. It’s not expensive.
Will collision detection equipment help lower your insurance rates? Are you a bad driver or one who texts and drives? Inevitably, it will catch up to you. Find out how insurance companies set rates and how you can lower yours.