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?"

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings