You never know who you’ll meet up with on a parking lot, which is why collisions like this one can be a problem for many policy holders out there. It’s funny how DMVs will be rabid about students learning correct methods for parallel parking, even if they live in a rural area and will probably never see a city street. Meanwhile, normal parking lot parking methods are completely ignored. From all the vehicles I see double parked or so close to my own car that I actually have to lose weight in order to get in, I’d say it was necessary.

So what kind of car insurance coverage do you need for an encounter with someone who is a deranged and delayed parker? I would suggest you get yourself collision coverage for your car if you want to avoid this problem. While certain parking shop horrors, such as a grocery cart slamming into the side of your car or a piece of glass popping the tire, can be covered by comprehensive car insurance coverage, many people make the mistake of thinking that the same goes for accidents that happen when you aren’t in or around your car. But the same way your collision coverage will take care of your car if you run over someone’s hedge, it will take care of your car if you back up too far in the parking lot. Of course, if you are the victim in the incident, your car will be covered by the other driver’s liability coverage. That is if, unlike the driver in the video, the person who hits your car thinks it right to let you know it was them.

In order to determine whether you need collision car insurance coverage on your vehicle, consider the worth of your car. If it’s a new car, or a car that you’re still paying on, then of course you are required through your contract with the financing company to have both collision and comprehensive coverage on the vehicle. If it’s a newer car that you’ve already finished paying on, then you should still keep the coverage to protect your property. However, if you have an older car that’s worth about a thousand dollars or less, then you should consider dropping your coverage down to just the state minimum. The reason for this is that you will probably be paying out more to insure your vehicle than the car is worth, even the used car rates are lower than new ones.

Cheers,

Fashun Guadarrama.