Skip to main content
CONNECT POWERED BY AMERICAN FAMILY INSURANCE logo 1-888-239-9953
  • Home
  • Insurance Choices
    • Auto Insurance
      • Coverage
      • Benefits
      • Discounts
      • Payments
    • Home & Condo Insurance
      • Homeowners Standard Coverages
      • Condo Coverage
      • Additional Coverage Options
      • Discounts
      • Payments
    • Renters Insurance
      • Coverage
      • Benefits
      • Payments
    • Umbrella Insurance
      • Coverage
      • Discounts
      • Payments
    • Specialty Insurance
      • Coverage
    • Business Insurance
      • Coverage
  • Claims
    • Auto Claims
      • Filing an auto insurance claim
      • Auto insurance claim process
      • Repairing Your Car
      • Total loss car vs. repairable vehicles
      • What happens after your car is totaled?
      • How to determine car value
      • The basics of not-at-fault accidents
    • Homeowners Claims
      • Filing a homeowners insurance claim
      • Home insurance claim guide
    • Common Claims Questions
      • What to do after a car accident
      • How long does an insurance claim take to settle?
      • What to do if insurance denies claim and more claims tips
      • I’ve hired an insurance claim attorney - what can I expect?
      • What is subrogation?
      • What effect does a not-at-fault accident have on my insurance?
    • Types of Insurance Claims
      • Rear-end collisions
      • Parking lot accidents
      • Identity theft
      • Home theft
      • Water damage
      • Wind and hail damage
    • Ways to Report a Claim
      We're available 24 hours a day, 365 days a year. File a claim report online or report a claim anytime by calling us now.
      File a claim
  • Learning Center
    • Auto
      • Safe driving tips
      • Car maintenance
      • Car buying tips
    • Home & Renters
      • Home maintenance
      • Home safety
      • Home buying and selling
      • How to rent
    • Disaster Preparedness
      • Wildfires
      • Tornadoes
      • Hurricanes
      • Earthquakes
      • Floods
      • Natural Disasters
    • Understanding Insurance
      • Insurance coverage
      • Insurance Rates
      • Insurance terms
    • Florida Hurricane Mitigation Discounts
    • About
      • Benefits and Discounts

        Check out all the different benefits and discounts that we offer through CONNECT. From auto to home insurance, we've got you covered.

        See benefits and discounts
      • Customer Testimonials

        See what customers have to say about their experience with CONNECT. Read auto and home insurance reviews to learn about our superior customer service and more!

        Hear from our customers
    • Help
      • Contact Us
        Have questions around your insurance policy or claims? We’re here to help. Find a CONNECT phone number and other contact info you need.
        Visit our contact page
      • General FAQs
        Find answers to your billing, coverage, claims, documents and profile questions.
        See all FAQs
      • Holiday Hours
        On certain dates, some of our services may be limited.
        See our holiday hours
    • Careers
      • Our Values
        • Work/Life Balance
          • Diversity & Inclusion
            • Benefits
              • Development
                • Community
                  • Our Hiring Process
                  • Call
                    1-888-239-9953
                  • Log In
                  CONNECT POWERED BY AMERICAN FAMILY INSURANCE logo
                  • Home
                  • Insurance Choices
                    • Auto Insurance
                      • Coverage
                      • Benefits
                      • Discounts
                      • Payments
                    • Home & Condo Insurance
                      • Homeowners Standard Coverages
                      • Condo Coverage
                      • Additional Coverage Options
                      • Discounts
                      • Payments
                    • Renters Insurance
                      • Coverage
                      • Benefits
                      • Payments
                    • Umbrella Insurance
                      • Coverage
                      • Discounts
                      • Payments
                    • Specialty Insurance
                      • Coverage
                    • Business Insurance
                      • Coverage
                  • Claims
                    • Auto Claims
                      • Filing an auto insurance claim
                      • Auto insurance claim process
                      • Repairing Your Car
                      • Total loss car vs. repairable vehicles
                      • What happens after your car is totaled?
                      • How to determine car value
                      • The basics of not-at-fault accidents
                    • Homeowners Claims
                      • Filing a homeowners insurance claim
                      • Home insurance claim guide
                    • Common Claims Questions
                      • What to do after a car accident
                      • How long does an insurance claim take to settle?
                      • What to do if insurance denies claim and more claims tips
                      • I’ve hired an insurance claim attorney - what can I expect?
                      • What is subrogation?
                      • What effect does a not-at-fault accident have on my insurance?
                    • Types of Insurance Claims
                      • Rear-end collisions
                      • Parking lot accidents
                      • Identity theft
                      • Home theft
                      • Water damage
                      • Wind and hail damage
                    • Ways to Report a Claim
                      We're available 24 hours a day, 365 days a year. File a claim report online or report a claim anytime by calling us now.
                      File a claim
                  • Learning Center
                    • Auto
                      • Safe driving tips
                      • Car maintenance
                      • Car buying tips
                    • Home & Renters
                      • Home maintenance
                      • Home safety
                      • Home buying and selling
                      • How to rent
                    • Disaster Preparedness
                      • Wildfires
                      • Tornadoes
                      • Hurricanes
                      • Earthquakes
                      • Floods
                      • Natural Disasters
                    • Understanding Insurance
                      • Insurance coverage
                      • Insurance Rates
                      • Insurance terms
                    • Florida Hurricane Mitigation Discounts
                    • About
                      • Benefits and Discounts

                        Check out all the different benefits and discounts that we offer through CONNECT. From auto to home insurance, we've got you covered.

                        See benefits and discounts
                      • Customer Testimonials

                        See what customers have to say about their experience with CONNECT. Read auto and home insurance reviews to learn about our superior customer service and more!

                        Hear from our customers
                    • Help
                      • Contact Us
                        Have questions around your insurance policy or claims? We’re here to help. Find a CONNECT phone number and other contact info you need.
                        Visit our contact page
                      • General FAQs
                        Find answers to your billing, coverage, claims, documents and profile questions.
                        See all FAQs
                      • Holiday Hours
                        On certain dates, some of our services may be limited.
                        See our holiday hours
                    • Careers
                      • Our Values
                        • Work/Life Balance
                          • Diversity & Inclusion
                            • Benefits
                              • Development
                                • Community
                                  • Our Hiring Process
                                  • Log In
                                  Avoiding Parking Lot Accidents
                                  Avoiding Parking Lot Accidents
                                  • Learning Center
                                    • Auto
                                      • Safe driving tips
                                        • Surprising car accident stats
                                        • Choosing a teen driving school
                                        • Tips to help prevent driver fatigue and drowsy driving risks
                                        • Road rage and aggressive driving
                                        • How to change a flat tire
                                        • How to use jumper cables
                                        • How's my driving? A 10-question quiz
                                        • Parking lot accident danger zones
                                        • How to drive in snow
                                        • Insider’s guide: how to drive on ice
                                        • Preparing auto emergency kits
                                        • Help prevent teen texting and driving – a pledge
                                        • Safety tips for driving at night
                                        • School bus safety
                                        • 5 steps to take after a hit-and-run accident
                                        • Teen driver safety 101
                                        • 12 tips for driving in fog
                                        • 7 tips to avoid distracted driving
                                        • What is hydroplaning?
                                        • What to do after a car accident
                                        • Winter driving tips
                                        • Ice thickness safety chart
                                        • How to plan a road trip
                                        • Escape a sinking car
                                        • How to trailer a boat safely
                                        • Snowmobile safety tips
                                        • Snow tires save lives
                                        • How hot does it get in a car?
                                        • Avoid work zone accidents
                                        • Drinking and boating safety
                                        • Seat belt safety
                                        • ATV safety tips
                                      • Car maintenance
                                      • Car buying tips
                                    • Home & Renters
                                    • Disaster Preparedness
                                    • Understanding Insurance
                                    • Florida Hurricane Mitigation Discounts
                                  • Learning Center
                                    • Auto
                                    • Home & Renters
                                    • Disaster Preparedness
                                    • Understanding Insurance
                                    • Florida Hurricane Mitigation Discounts
                                  1. Home
                                  2. Learning Center
                                  3. Auto
                                  4. Safe driving tips
                                  5. Parking lot accident danger zones
                                  • Learning Center
                                    • Auto
                                      • Safe driving tips
                                        • Surprising car accident stats
                                        • Choosing a teen driving school
                                        • Tips to help prevent driver fatigue and drowsy driving risks
                                        • Road rage and aggressive driving
                                        • How to change a flat tire
                                        • How to use jumper cables
                                        • How's my driving? A 10-question quiz
                                        • Parking lot accident danger zones
                                        • How to drive in snow
                                        • Insider’s guide: how to drive on ice
                                        • Preparing auto emergency kits
                                        • Help prevent teen texting and driving – a pledge
                                        • Safety tips for driving at night
                                        • School bus safety
                                        • 5 steps to take after a hit-and-run accident
                                        • Teen driver safety 101
                                        • 12 tips for driving in fog
                                        • 7 tips to avoid distracted driving
                                        • What is hydroplaning?
                                        • What to do after a car accident
                                        • Winter driving tips
                                        • Ice thickness safety chart
                                        • How to plan a road trip
                                        • Escape a sinking car
                                        • How to trailer a boat safely
                                        • Snowmobile safety tips
                                        • Snow tires save lives
                                        • How hot does it get in a car?
                                        • Avoid work zone accidents
                                        • Drinking and boating safety
                                        • Seat belt safety
                                        • ATV safety tips
                                      • Car maintenance
                                      • Car buying tips
                                    • Home & Renters
                                    • Disaster Preparedness
                                    • Understanding Insurance
                                    • Florida Hurricane Mitigation Discounts

                                  Parking Lot Accident Danger Zones

                                  Types of Parking Lot Accidents

                                  Back up. Pull in. Turn out. Parking lots are home to lots of activity in a relatively small amount of space. Add unique layouts, traffic patterns that vary by parking lot, bikers and pedestrians, and it's easy to see why accidents happen in parking lots.

                                  Who's at fault in a parking lot accident?

                                  When an accident happens, you can generally use one or two factors to determine who was at fault in a parking lot accident:

                                  1. Was the car moving? If only one car is moving, the driver of a moving vehicle is generally the majority at fault in an accident. For example, if your car is legally parked and someone hits it, the other driver is generally at fault.
                                  2. Which driver had the right of way? If both cars are moving, one car typically has the right of way, based on the pattern or lane of traffic. Of course, if a driver is going too fast or fails to yield that driver may be at fault.

                                  To see these criteria in action, let's analyze five common types of parking lot accidents.

                                  1. Two drivers back up into each other – Both cars are moving, so both drivers are responsible for that movement. Neither driver has the right of way. Each is responsible for checking to be sure it is safe to back up before doing so. In this parking lot accident, who is at fault? It is likely both drivers will share fault for the accident.
                                  2. A driver pulls forward out of a space, into the lane of traffic – Both cars are moving so both drivers are responsible. In a parking lot, drivers in the traffic lane have the right of way, so the driver who pulled out of the space is likely the majority at fault in the accident.
                                  3. A driver backs out of a space, into an oncoming car – Because both vehicles are moving, each driver may hold some responsibility. But, the driver in the traffic lane has the right of way. The driver who is backing out is responsible for waiting until it is safe to back out. The driver backing out is likely to be deemed primarily at fault in this parking lot accident.
                                  4. Two cars vying for the same space collide – While rushing to get a parking space, one car collides with another. Both vehicles were moving, so both drivers have responsibility. Which driver has the right of way? As on a roadway, the driver making a turn across traffic must yield to oncoming traffic. The driver turning left into the parking space is likely the majority at fault in this accident. Of course other factors such as the points of impact on the vehicles, how far each vehicle was into the parking space when the collision occurred, and the speed of the vehicle prior to impact will also affect who is assigned responsibility for the accident.
                                  5. A car rear-ends another at a stop sign – In this case, only one vehicle is moving. The moving vehicle is generally at fault in this type of accident, whether it occurs in a parking lot or on the roadway. Even if the car in front stops suddenly at a stop sign, the driver in the second car is likely to be at fault. Drivers are expected to provide enough distance between their car and the vehicle in front of them to avoid a rear-end collision.

                                  Parking lot accidents generally will not involve a police report. If you are involved in a parking lot accident, exchange insurance information with the driver of the other vehicle. If possible, gather contact information from others who witnessed the accident. Take photos of the accident. Call your insurance company to report the accident as soon as it is safe to do so. Taking these steps can help determine who's at fault in a parking lot accident.

                                  --

                                  RELATED INFORMATION

                                  • Report a Claim

                                  --

                                  SOURCES

                                  1. Berg, David. "Car Accidents: Determining Liability in a Parking Lot." AllAboutCarAccidents.com. NOLO, n.d. Web. 31 Mar. 2014. http://www.all-about-car-accidents.com/resources/auto-accident/car-accident-claims/determining-liability-parking-lot.
                                  2. Spellbinder, Maurice. "Parking Lot Accident Law." EHow. Demand Media, 20 May 2010. Web. 08 Apr. 2014. http://www.all-about-car-accidents.com/resources/auto-accident/car-accident-claims/determining-liability-parking-lot.
                                  A.M. Best, the leading independent rater of insurers in the country, has rated the companies within the CONNECT group “A” (Excellent), the third highest of their 15 ratings, for financial strength, stability and soundness of operating performance. Better Business Bereau Accredited Business

                                  Get an Insurance Quote

                                  • Insurance Choices
                                    • Auto Insurance
                                    • Home & Condo Insurance
                                    • Renters Insurance
                                    • Umbrella Insurance
                                    • Specialty Insurance
                                    • Business Insurance
                                  • Claims
                                    • Auto Claims
                                    • Homeowners Claims
                                    • Common Claims Questions
                                    • Types of Insurance Claims
                                    • Ways to Report a Claim
                                  • Learning Center
                                    • Auto
                                    • Home & Renters
                                    • Disaster Preparedness
                                    • Understanding Insurance
                                    • Florida Hurricane Mitigation Discounts
                                    • About
                                      • Benefits and Discounts
                                      • Customer Testimonials
                                    • Help
                                      • Contact Us
                                      • General FAQs
                                      • Holiday Hours
                                  • Careers
                                    • Where you work matters
                                    • Work/life balance matters
                                    • People matter
                                    • Benefits matter
                                    • Your development matters
                                    • Community matters
                                    • The hiring process matters
                                  • Privacy
                                  • Security
                                  • Terms of Use
                                  • Company Information
                                  • Accessibility
                                  • Site Map
                                  • Lender

                                  © 2025 American Family Connect Property and Casualty Insurance Company, Inc. All rights reserved.

                                  CONNECT, powered by American Family Insurance, is the brand name of American Family Connect Property and Casualty Insurance Company and American Family Connect Insurance Company, Madison, WI. Depending on the state, auto policies are underwritten by either company, or by an affiliate, Midvale Indemnity Company, Madison, WI. Property policies are underwritten and issued by affiliates based in Boston, MA, including: Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Lloyd’s of Texas, and Homesite Insurance Company of the Midwest. The American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. Each insurer is solely responsible for the claims on its policies and pays the Agency for policies sold. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Prices, coverages and privacy policies vary among these insurers. Each company has sole financial responsibility for its products. Some products, discounts, benefits, and savings may vary, may not be available in all states, and are subject to limitations.

                                  We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declaration page for complete coverage details.