Does a business's insurance pay the claim for customer cars vandalized in their parking lot?

Answer

Heavens, no. Your own carrier would need to pick up the damage under your comprehensive coverage.

As you can imagine, in any parking used by a lot of people, the owner of the business would be hard-pressed if he/she was responsible for all the damage to vehicles that occurred in that parking lot. Usually, a business would be responsible for damages to your vehicle only if your vehicle was in their care, custody and control (for instance, you dropped your car off to have the brakes done). At that point, the business owner has some responsbility because you've handed over the car.

As for the movie theater, you used your car to get there, park, and leave. The movie theater has no legal liability in how you used your vehicle, or what happened to it while in its lot. The liability falls to the person who vandalized your car, and unfortunately, the chances of locating that person are few.

First answer by Allen. Last edit by Allen. Question popularity: 93 [recommend question]

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