Most people assume if they park in a parking lot or a garage, the owners are responsible for any damage that might occur to their car, vandalism, as an example. That assumption could cost you a lot of money because many times the parking lot or garage has no liability for damage at all. It’s true. Now there is some legal mumbo jumbo about who has control of your car, but to assume that a parking lot or garage is responsibility could be dangerous to your bank account.
Recently a college freshman learned this the hard way. She and friends drove to the school’s stadium to watch the big baseball game. They parked in the stadium parking lot. The game was close. Then slugger knocked one out of the park. Every one stood and cheered. The game was won and as the freshman found out, the winning ball had smashed her windshield. No doubt the school will pay for the damages or maybe old slugger himself. That idea was a big ‘Strike Out’ because when the freshman signed up for school, she signed a document releasing the school of all potential damages. Many parking lots and garages have clearly posted disclaimers that also release them from liability.
The only way to make sure you are absolutely, positively covered, whether you park in the woods, a parking lot or a garage is to have comprehensive insurance on your vehicle. Comprehensive auto coverage protects you against damages that are not related to a collision...like slugger’s home run baseball. Different policies can cover different events so you should check with your insurance company to see exactly what is covered. Usually comprehensive covers theft, vandalism, fire, natural disasters, and falling objects just to name a few. So if you find yourself parking in parking lots or parking garages it might be advisable to get a comprehensive insurance to protect your vehicle. You just never know when the next home run ball might have your name on it.