My vehicle was broken into while parked on private property. Who pays?

Question

There is no sign posted stating they are not liable for damages to the vehicle in this lot. Should the company's insurance company foot the bill or is it on me?

Answer 1

Traditionally, most parking areas are "Park at your own risk" policy no matter private or public parking and sometimes even when you pay to park, which includes your own residence area. However, check the standards of the parking lot you were in (security guards, parking attendant, or other present entities) that would possibly place the responsibility on the parking facility.

Otherwise, check you insurance policy for Comprehensive (anything other than collision) and consult your deducitble limit (your out of pocket cost before insurance begins paying). If you have the coverage and the amount of damage exceeds your deductible, you may want to consider a claim.

Please realize this does not include portable items (i,e, walkman cd player, cassette or cd music) which are things not screwed in or installed in your car. However, some policies do offer limited coverage for those items depending on your policy language. The insurance company may choose to invest time and money to determine if the parking lot may have indeed been responsible and chose to shirk their duties. At times of probable blame or responsibility is found, then they will attempt a "subrogation" with the responsible parties to recover both their costs and your deductible.

Should you feel you have such a claim, contact your insurance agent to better discuss your options and coverage allowances prior to placing a claim to double check you have a sufficient claim to bother with as that is the job of your agent.

Remember, all claims are counted as a claim whether it pays you or not. So always claim wisely, not haphazardly as excessive claims can drive up the cost of your premium or cause a non-renewal of your policy

Good luck and much prayers.

Answer 2

You're probably stuck with the bill. A parking lot is generally for the convenience of the customer and you park at your own risk. What about your own insurance? Does it help you?

Answer 3

You can always ask what the policy is regarding damage to or loss from cars on that particular property.

I do understand that most parking area state they take no responsibility for the cars parked on their lot.

So unless you are able to convince them that you believed your car was safe there, then I guess it is on you.

Answer 4

in case you're able to force your motor vehicle, take a sparkling piece of packing tape and canopy a pair of numbers on your tag with it, --- it isn't the OP's motor vehicle except it fairly is paid for IN finished. Derp?

Answer 5

You would probably have to prove the property owner was negligent some how. I dont see many ways you could. So stop trying to blame someone or trying to find someone to suit. The thief is responsible.

Answer 6

under the law of AGENCY, if you PAID for the parking, the lot owner is responsible...if you DID NOT PAY, you park at your own risk.

Answer 7

Unless you were charged a fee for parking there the cost is on you.

Answer 8

im so sorry hopefully the company is going to pay as long as your covered