My Car Was Damaged at a Business’ Parking Lot When the Ice Slid Off the Roof and onto my Car in Lafayetee, CO? Is it Covered Under Commercial Insurance or Should I Contact my Auto Insurer?

Parking a car in a business parking lot means that the company that owns the lot or is renting the lot is responsible to maintain the property. If your car was damaged in a business parking lot because ice slid off the roof of the building and hit your car, then your auto insurer may refuse to pay for the damages because it is the responsibility of the business in Lafayette, Colorado.

Commercial Liability

Business owners often purchase commercial liability insurance policies to pay for potential accidents and problems that take place on company property. When your vehicle is parked in the company’s lot while you are buying a product or service from the business, it is not your responsibility to pay for those damages.

In most cases, a commercial policy will cover the cost. You may need to inform the business owner or the manager immediately to obtain the appropriate information to make a claim.

Limited Coverage

If the company does not have enough coverage to pay for the damages, then you may be able to make a claim with your auto insurer for the remaining expense. Even though the business may be responsible for the damages due to negligence, it is possible that the amount of coverage the business obtained is not always enough to pay for the full extent of the damages. In that situation, your insurer may help with the remaining cost.

When your vehicle is damaged due to the negligence of others, the appropriate insurance to pay for the repairs is the business or individual who was negligent. Contact the 1st American Insurance Agency to talk to an independent agent for more information.