This (unfortunately) happens daily. Your insurance company will investiage the loss, take statements, and inspect the damage to both vehicles, many times the vehicle damages will tell the story. Did the parking lot have cameras? I have found these very useful many times. If it comes down to a draw, your insurance company will/should give the benefit of the doubt to their insured, thus denying the other party's claim. If you want to provide me with details surround the facts of loss perhaps I can be of more assistance.
Yes.
Police
1. Leave vehicle where you were hit. 2. Call the police 3. Exchange info with other driver 4. Get a witness or witnesses as someone saw it happen 5. Police will write a "no fault" report since accident is on private property (in my case, parking lot at work) 6. If police asks you and other driver to "work it out between you" as your rates will go up - be very cautious!!!!! 7. Call your insurance company Accidents happen in parking lots all to often. Even though it is on private property always get a police report and information from the other driver. Be sure to talk to the police officer in front of the other driver and make sure you are with the other driver as they talk to the officer.
Whoever the police report charges with the accident.
Yes. In a rear end accident, the liability is still there even if police are not called.
The police arbitrarily chooses which car is considered Driver one and Driver two. You have to read the report to determine who is at fault.
If it was you that fell asleep, you should go to the police before the police come to you.
Parking lots are ususually considered private property. Unless there are extenuating circumstances, the police will not get involved. Your best recourse is to give all of your info. to your insurance company and hope they will assist you. More than likely you will have to take the other party to court.
Calling the police lets the victim file a police report to provide for both insurance and legal reasons.
The driver at fault is liable for the collision, regardless of the other driver's actions post-collision. The fleeing driver may later be brought up on Hit and Run or Leaving the Scene of an Accident charges, but that will not change the at fault liability.
You would normally name the police officer (driver) and his employer, e.g. the city or police department where he works.
If you are hit by an Uninsured Driver you should take the following actions- Contact the police, get information from and on any witnesses that saw the accident and get photographs of the vehicles and the accident scene. Another important step to take beforehand of the accident is to make sure you have Uninsured Motorist Insurance on your Car Policy.