Does a business have to pay for damages if their property hits your car?

A sign from a store hit my car during a windstorm. I was parked in the store's parking lot. I complained to the store and they said they aren't liable. How can I make them pay?

Answer provided by
Emily Maracle
Answered on Jun 23, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Whether a business needs to pay for damages will depend on their policies. If you were in a large store’s parking lot, they often have liability waivers stating that they aren’t responsible for any damages or theft that occur while you are on their property.
If you don’t see a sign anywhere or they can’t provide any proof, you could try to speak with a lawyer that specializes in auto claims. They may be able to provide some guidance on how to proceed.
Depending on your insurance, it may be easier to file a claim with your own car insurance. Since the damage occurred during a windstorm, comprehensive insurance would cover the damage.
You’d be required to pay your deductible before your insurance would cover anything, but it would ensure that the damage would be fixed.”

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