Do Insurance Companies Cover Parking Lot Accidents in Maryland?

Drivers who are involved in parking accidents sometimes think the insurance situation is different than that of wrecks on the open road. A common question we receive at the Law Offices of Nicholas J. Del Pizzo, a personal injury lawyer in Dundalk, MD is do insurance companies cover parking lot accidents in Maryland? Even if the short answer is that yes, these accidents are covered in Maryland, there are many details involved with these incidents. 

Answering The Question: Do Insurance Companies Cover Parking Lot Accidents in Maryland?

Maryland’s “Fault” Insurance System and Parking Lot Accidents

Maryland auto insurance laws follow a traditional “fault” system. Therefore, the financial responsibility for any losses, such as injuries, medical expenses, and lost income, is borne by the at-fault driver. So, in a practical sense, the insurance company for the at-fault driver will likely have to compensate any injured drivers, passengers, or pedestrians, up to the policy limits. 

If you are injured in a parking lot accident in Maryland, you generally have three options available. 

First, you could file a claim with your insurance provider, assuming that your policy covers your damages. In some situations, your insurance company will likely file a subrogation claim against an at-fault driver’s insurance company. 

You could also file a third-party claim against the at-fault driver’s insurance company and attempt to work out a reasonable settlement. 

Finally, you’re entitled to file a personal injury lawsuit in a Maryland civil court against the at-fault driver. When you file a lawsuit, you are not precluding the possibility of settling with an insurance carrier. In fact, in many cases, filing a lawsuit is necessary to maximize your compensation. 

What are the main causes of MD parking lot accidents?

There are many causes of MD parking lot accidents that can come from a variety of different factors. These could include:

1. Drivers Reversing
2. Drivers not following right of way arrows
3. Drivers ignoring stop signs
4. Following too closely
5. Ice and bad weather
6. Potholes and poor lighting
7. Distracted driving

Damages available in a parking lot accident in Maryland:

Whether you accept a settlement from an insurance company or pursue a personal injury claim after a parking lot accident, you are seeking compensation for your damages. 

You are entitled to recover your financial losses, including your medical expenses, lost income, and property damage. In addition to these expenses, you are permitted to recover your non-economic or intangible damages. These subjective losses include pain and suffering, emotional distress, mental anguish, and other harm you endured because of your injury. 

About The Law Offices of Nicholas J Del Pizzo

 At The Law Offices of Nicholas J. Del Pizzo, III P.A. in Baltimore, Maryland, we make ourselves available for our clients when they are facing foreclosure of their home, bankruptcy, personal injury or medical malpractice. When you have a consultation at our law office, you meet with Nick Del Pizzo, a Baltimore lawyer, the founder of our firm. Your case is not passed off to a paralegal or less-experienced associate. You get the personalized attention you need from a local law firm. Whatever your legal need is, we are there for you, seven days a week. Your case becomes our cause, and we will seek the best resolution possible.

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