Risky Business
Beware the Dangers of the Parking Lot
Hi Everyone,
Spending time in the Petro Parking Lot for the Great Lakes Convoy, reminds us of the perils of a Parking Lot!
Believe it or not, there are thousands of insurance claims every year involving damage
in parking lots.
These claims are quite costly for insurance
companies AND for Owner Operators.
In most areas there are no police reports available on private property. An incident report also does not establish who is At-Fault. So in the end YOU are responsible for the deductible for the damage to your own truck and your insurer pays the rest.
A few things you can do to help:
Obviously try to park in safe and well lighted areas w ithin view of a Lot Surveillance Camera if possible.
If you do get hit, as in any accident remember to us e all available means to record the incident. Try to get photos of the At-Fault Truck (hitting you) or at least the damage to his truck. Then get all available statements from witnesses along with their contact information.
If the other driver accepts blame call your insurer immediately and have him acknowledge fault. Most insurers like Progressive will record all calls.
Remember, too often drivers will change their
minds later and say it was NOT their fault.
Record it any way YOU
can at the time so that you can provide proof for your insurance
company so that they can fight for your case later.
....Just getting guy’s license plate
or truck number and accusing him of hitting you is not a good case.
Without any solid proof it is impossible to win, and you'll get stuck paying that deductible on your own truck every time.
Shelly Benisch, CIC Commercial Insurance Solutions (CIS)
[email protected] www.myCISagent.com