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If you maintained collision coverage on your car and the damage occurred in a parking lot, there should be no reason why the loss is not covered in the same manner as on a roadway. Note, though, that the insurance company may require, as a condition of coverage, that the occurrence be reported to law enforcement and that a police report be created. Therefore, be sure to comply with all conditions precedent in the policy to submitting a claim.

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14y ago

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