Left Coast Geek
Full Access Members
assuming you have full comprehensive/collision style insurance, I would expect your insurance company to pay out for the car less deductible, go after the responsible party, and if they collect, refund you the deductible. It probably depends on who this parking lot was owned by, and how official the parking use was. Many parking lots have posted 'at your own risk' signs, whereupon there's very little chance of your insurance collecting anything.