Parking Lot Accidents
Most people have been trained from their earliest driver's ed classes that the first thing you should do if you've been in an accident is to contact the police. While that is true in most cases - the average American probably is not aware that if you are in an accident in a parking lot and you summon the police - there's really not much they're going to be able to do. Why? Because parking lots are consider 'private property' not public roadways.
For example, last week a woman claims she was following the arrows that directed her to the exit when another vehicle pulled in front of her. A collision ensued and the police were called.
Unfortunately, the wait was long and the police had to be called a second time before an officer finally arrived an hour later (parking lot accidents without injuries are far down on the list of emergencies in the world of the cops). The police person collected up all the insurance information and driver's license and after another quarter hour returned all the information to both drivers and reported that there was nothing the police could do because (a) he could not make a determination as to who was at fault and therefore would be unable to issue a citation and (b) PARKING LOTS ARE PRIVATE PROPERTY AND THEREFORE NOT UNDER THE JURISDICTION OF THE LOCAL POLICE DEPARTMENT.
This will no doubt result in an insurance nightmare for both drivers. If you are involved in a parking lot accident try to get witnesses to corrobate the incident and take pictures...and call the police anyway - at least it will be on the record.
Dealing with an insurance company with a Texas auto accident claim (given Texas refusal to regulate claims handling by insurers) is no pick-nick even when it clear who is at fault and the office issues a ticket.
