Parking lots and garages are designed to maximize usable space. As such, they are often cramped, with hundreds of cars packed into small areas. While not usually considered dangerous, driving in these areas can actually be quite difficult.

Occasionally, parking lot and garage accidents do occur. When this happens, the at-fault individual will be responsible for covering the other driver’s medical and auto repair expenses with his or her insurance policy.

As with any other driving surface, there are defensive tactics that drivers can take to help keep themselves out of accidents. When an individual drives in a parking lot or parking garage, he or she should always:

• Back out of parking spots slowly, keeping a constant eye out for cars driving behind
• Stay alert and mindful of drivers weaving through lanes looking for parking
• Refrain from speeding and always signal before making a turn

Drivers tend to drive recklessly in parking areas, and this becomes even more true when parking spots are scarce. As such, it is important for drivers to always keep their attention focused on the task at hand to help avoid accidents.

Unfortunately, accidents occasionally do occur even when drivers are alert and driving defensively. When these accidents occur, it is important that drivers have proper collision insurance to cover themselves and other drivers involved in the accident.

In most cases, accidents in parking lots and garages are low-speed affairs, though this is not always the case. In the event that a driver injures another driver in a parking lot or parking garage, he or she will be liable for that person’s medical bills and auto repair expenses.

If you are involved in a parking lot or parking garage accident and you are at fault, you need to make sure that you have adequate insurance coverage. If you are looking to add coverage to an existing policy or buy a new policy all together, discuss your options with the Chicago insurance agents of Insure on the Spot.