If your car was stolen in a store's parking lot are they liable to replace it if your insurance only covers liability?

Answer 1

i would say no...i don't know of any store parking lots whose liability would cover your vehicle if stolen...only instances i can think of where there MIGHT be coverage would be if you left your vehicle at a repair shop for them to work on and thru some NEGLIGENCE on their part, your vehicle was stolen, such as they left it outside with the keys in it....didn't take proper care in the securing of your vehicle..........sorry......

Answer 2

No. Common area parking facilitation does not create an automatic liability on the part of the grocer. It is our own choice whether we insure for just liability or opt for full coverage.

It would be no different than if the car was stolen from a public street or our own driveway.