Accidents on private property can differ slightly when it comes to car insurance. The common myth that insurance doesn’t cover accidents on private property is false. However, there are a few important details to understand.
Standard Coverage
Most vehicle owners in Monroe, CT, will have the same auto insurance coverage limits on private property as they do on public roads. Your liability, comprehensive, or collision coverage can still help cover costs such as medical bills and property damage.
Determining Fault
Determining fault on private property can be more complicated in certain situations. For example, accidents in parking lots often have witnesses or cameras to help establish who was at fault.
Accidents on a friend’s property can be more challenging. These situations often involve conflicting accounts from both parties. Without cameras or additional witnesses, it can be difficult for officers to determine fault.
Property Negligence
If the property owner’s negligence caused the accident, they may be held responsible. For instance, if you slide into a telephone pole because the property owner failed to put down salt on icy surfaces, they could be liable. It’s important to consult a professional at a company like Fida Insurance Group to determine the appropriate steps to take.
The Importance of a Police Report
Many people hesitate to call the police after an accident involving a friend. However, it’s important to remember that filing a police report doesn’t mean you’re trying to get your friend in trouble. A police report is essential for documenting who was at fault during the accident.
Representatives at Fida Insurance Group can help you learn more about the steps to take after an accident on private property. Contact us today. We proudly serve the Monroe, CT, area.
