Truck swung wide turning right and crushed my front end — private lot = no fault??

Almost identical thing happened to me in a grocery store lot a couple years back. The 'private property = no fault' thing is SO frustrating but it doesn't mean you're out of options. What it really means is the cops won't cite anyone — but insurance companies still do their own fault determination independently. Push hard with his insurer and document everything you possibly can.

That 'be patient' line from your own insurance is a yellow flag to me. They're hoping you'll just quietly pay your deductible and move on. Don't. Send everything in writing, keep a log of every phone call with dates and names, and start asking them directly in writing whether they intend to pursue subrogation against the other driver. That word alone sometimes lights a fire under them.

Worked claims for years. Private property accidents get murky fast but they're not automatic 50/50 splits like people assume. Adjusters still look at things like right-of-way, who was moving vs. stationary, and witness statements. The fact that you were stopped is genuinely significant. Get that security camera footage ASAP — like today if you can. Stores often overwrite footage within 7-10 days and once it's gone, it's gone.

The camera footage point above is critical. Send a written preservation request to the property owner — email or certified letter — today. Something simple saying you were involved in an accident on their lot on [date] and you're requesting that any surveillance footage from that time be preserved pending potential litigation. You don't have to be a lawyer to send that. Also, your own insurer's subrogation department is your friend here — if they pay your claim they have financial incentive to go after the other guy's insurance and recover your deductible in the process.

Not legal advice, but generally speaking a stationary vehicle getting struck by a turning vehicle is a fact pattern that tends to favor the stationary driver when it comes to fault analysis. Private property removes the traffic citation piece but not civil liability. If the damage is significant and his insurer keeps stonewalling, a free consult with a PI attorney costs you nothing and might clarify your options fast. Most won't take a pure property-damage case on contingency but they can at least point you in the right direction.

Are you doing okay physically? Sometimes after an adrenaline spike you don't feel whiplash or neck stiffness until a day or two later. Please don't tough it out if anything starts hurting — get checked out and make sure it's documented. I've seen people dismiss soreness and then have real issues weeks down the road with no medical record to back them up.

Three things right now: 1) Call that business and ask about the camera footage today, not tomorrow. 2) Stop talking to his insurance without having your own written record of every conversation. 3) Get a damage estimate that specifically checks for frame/structural damage — if there is any, this is no longer a 'fender situation' and you need to treat it accordingly.

Quick question — when you say two exit lanes, were they actually marked as separate lanes or were you just kind of side by side informally? That detail might matter more than you think for how insurance reads the scene. Not doubting you at all, just wondering if there's paint or signage that backs up your lane position.

Ugh, this is so stressful to read. You're literally doing everything right and still getting the runaround. Hang in there — the camera footage idea is the best lead you have right now, I really hope that building has something useful.