re: Update page 3 - Auto Insurance Question - Got hit in a parking lot

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I never said that. An accident is just that - an accident. Absent a separate crime, an accident on private property is a civil matter.

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What? Isn’t an accident in public property just that, an accident? Whether it takes place on private land or public land does not matter.Why do you think there is any distinction between disputes in private property v. Public property.

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Simple - when a crime is committed. No crime took place in OP's story.

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Accidents being investigated on public property are not necessarily criminal either. However, LA R.S. 14:99 states that reckless operation is the operation of any motor vehicle, aircraft, vessel or other means of conveyance in a criminally negligent or reckless manner. Because this is a criminal statute, it is applicable everywhere, including private parking lots or private roads.

Insurance laws also apply, even on private property. If the person were found to be without insurance a law is broken. Although the officer cannot issue citations to the drivers for moving violations such as speeding, the officer can still take action against a driver for not having liability insurance.

Police officers just don’t like to investigate private property accidents. They actually have private lot crash reports, which is a different, less detailed report than the Louisiana Uniform Motor Vehicle Crash Report that L.E. prepares when a crash occurs on a public road.

These cops were being lazy or just didn’t want to be of assistance. Simple as that. Even though they know many insurance companies will challenge claims without an accident report.