Who Is at Fault in an Alberta Parking Lot Accident?
Alberta insurers should not automatically assign 50/50 fault to parking-lot collisions; DCPD scenarios and ordinary liability rules determine the result.
Under Alberta's Direct Compensation for Property Damage system, parking-lot collisions are assessed using the applicable DCPD fault scenarios where those scenarios fit. Where the regulation does not prescribe the outcome, ordinary liability rules can still matter. The Alberta Superintendent of Insurance and Automobile Insurance Rate Board have specifically stated that insurers should not simply rate all parking-lot accidents 50/50. A parked vehicle struck by a moving vehicle presents a different liability picture from 2 vehicles reversing simultaneously.
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