What to Do If You Scratch Someone Else's Car While Reversing in a Parking Lot?
3 Answers
When you hit someone else's car while reversing, the reversing driver is fully responsible, and both the reversing driver's car and the other party's car may be damaged. The handling methods are as follows: 1. Claim settlement: Use the compulsory traffic insurance or third-party liability insurance from the insurance company to settle the claim for the other party. 2. Car repair: If the car has collision insurance, you can repair your own car. Additional information: Article 12: When filing a claim, the insured shall provide the insurer with the insurance policy, accident certificate, accident liability determination, accident mediation agreement, judgment, loss list, and relevant expense receipts. Article 13: The insurer shall bear the liability for compensation based on the proportion of responsibility of the insured vehicle's driver in the accident. Article 14: If the insured vehicle is damaged due to an insured accident or causes damage to third-party property, it should be repaired as much as possible.
Every time I accidentally scrape someone else's car while reversing in the parking lot, my heart pounds—after all, as a beginner, it's easy to panic. First, park and turn off the engine, check if anyone is injured, then carefully inspect the extent of the damage. If it's just a minor scratch, take a few photos with your phone, noting the time, location, and details of the damage. If the owner isn't around, I quickly grab a pen and paper from my bag to write a note, briefly apologizing with 'Sorry, it was my fault,' and leave my name, phone number, and car details, tucking it into the window gap to avoid suspicion of hit-and-run. Next, call the insurance company to report the accident—they'll guide me through the next steps, like claims and repairs. The lesson here: reverse slowly, look around more, or use the backup camera; staying calm and taking responsibility afterward is the best approach—panicking only makes things worse. Practicing parking skills regularly, like choosing wider spots, can help reduce such awkward situations.
As someone who has been driving for years, I know how to handle a parking scrape with composure. I immediately stop and secure the vehicle, then safely assess the damage—whether it's minor paint scratches or more serious dents, I take photos as evidence, noting the time and location. If the owner is present, I sincerely apologize and exchange information, including names, phone numbers, and policy numbers for smooth communication. If no one is around, I wait patiently for about ten minutes before leaving a note or notifying security to avoid penalties for hit-and-run. Next, I contact my insurance company to report the incident, providing a detailed account to initiate the claims process. Ethically, taking responsibility is key: small issues often escalate due to negligence. Afterward, I make an effort to learn better parking safety techniques, like using rearview mirrors and radar, to minimize risks and maintain good neighborly relations.
