Almost 20 percent of Missouri auto accidents happen in parking lots. Most of these accidents occur at low speeds, so they generally involve minimal property damage and few injuries. But any accident, even a parking lot accident, can raise your insurance premiums.

If you are involved in a Kansas City parking lot accident, you are most likely asking:
  • How do I know who is at fault?
  • Should I call the police?
  • Should I report the accident to my insurance company?
  • Is it ok to give the other driver a check for the damage?
Our Kansas City car accident attorneys have the following advice:
  1. Stay calm. Don't apologize or admit fault.
  2. Call the police and file a police report. The police report will document the accident and any damage or injuries. A police report shifts your personal liability for the accident to the insurance company. It will protect you if the other driver decides to later file a claim for injuries or property damage that didn't exist at the time of the accident. 
  3. Give the other driver your name, address, phone number and insurance information.
  4. Get the names and contact information of any witnesses.
  5. Take pictures of both cars and of any damage or injuries. If there are skid marks or debris, photograph that as well.
  6. Never settle with the other driver without involving your insurance company. You may think you are protecting yourself from higher premiums, but there is no guarantee that the driver won't seek insurance compensation. In fact, the driver can use your check as an admission of fault in order to request damages from your insurance company. Because it is hard to determine the exact cause of a parking lot crash, fault is split between parties in parking lot accidents. Each driver pays his deductible and no points are assigned.

Have You Been Injured In A Kansas City Area Car Accident?

If you've been injured in a car accident you need to speak with an experienced car accident lawyer as soon as possible. Contact us online or call our Kansas City office directly at 816.471.5111 to schedule your free consultation.

James Roswold
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James Roswold is a Kansas & Missouri personal injury, workers comp, and medical malpractice attorney.