Washington, DC asked in Insurance Defense, Personal Injury and Car Accidents for Maryland

Q: Backing up in Safeway parking lot parkvale md in Baltimore. Is it no fault Insurance or I pay

Was in the public parking lot as I backed out a parking space I hit the side of an on coming car. The question is am I liable to fix the other persons car or is Baltimore me a no fault state if the accident happen on a parking lot of a store

2 Lawyer Answers
Eric Todd Kirk
Eric Todd Kirk
Answered
  • Personal Injury Lawyer
  • Baltimore, MD
  • Licensed in Maryland

A: it's not clear from the context of your question but it certainly could be both. If there were injuries be at fault party's liability insurance would clearly be responsible for any losses, and the no fault carrier would be responsible for any resulting medical bills or lost wages.

Mark Oakley
Mark Oakley
Answered
  • Personal Injury Lawyer
  • Rockville, MD
  • Licensed in Maryland

A: "No Fault" insurance only refers to "Personal Injury Protection" (PIP) benefits if you have this coverage under your auto policy, and it only covers medical bills and lost wages resulting from injuries you or your passengers sustained in the accident. There is no such thing as "no fault" insurance coverage for property damage. When there is an accident, your liability insurance coverage pays for the other driver's damages if you are at fault, and if the other driver is at fault, their liability insurance coverage is available to cover your property damages. If you are at fault, or the other driver's insurance coverage denies liability, then your collision insurance coverage under your auto policy pays for your damages, if you paid for that coverage. If you do not have collision coverage, then either you pay out of pocket, or you sue the other driver if you believe you can prove the accident was all the other driver's fault.

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