My truck rolled into a car in a parking lot. No one was cited. Whose insurance pays what?

Answer 1

There does not have to be a ticket issued to establish who is at fault.

In this case, if your truck rolled into a car, it would seem you are at fault and your insurance will be covering the loss.

Answer 2

What caused the truck to begin rolling?

If your truck had a brake failure or you did not leave it in gear or anything other than someone or something else started your truck on its journey into the other vehicle, then you will be found responsible and your liability insurance should pay for the damage to the other vehicle. Damage you your truck is covered, probably under "collision" coverage, but possibly under "comprehensive" (this would be most preferable) coverage.

Your insurance agent should be helpful, of course if you bought insurance for your truck through one of those "cheaper" companies with the lizard or the progressive "comparision" then you are on your own. Except of course for Yahoo Answers.

Point is, that service when you have a claim is extremely important. That is why I favor independent insurance agents. They work for their customers (me and you) in dealing with the insurance carriers. Direct writers, like GEICO and Progressive sometimes offer lower cost but there is no one there who has any incentive to advocate for you when you have a loss.

Answer 3

Uh.. clearly yours pay for both? Is that not obvious?

Sarcasm aside.. if the other car was parked.. and your car (parked or not) rolled into it.. of course you are going to be responsible.

Answer 4

I would guess that it is your fault and should be your insurance paying.