In Newfoundland and Labrador, rules of the road apply in parking lots the same as they do out on the street. If you get in a car accident in a parking lot, you have to determine fault based on what drivers should and should not have been doing.
In a parking lot, if a car was backing out of a spot and crashed into another car driving down the section at a reasonable speed, the car backing out would be negligent because the moving vehicle had right of way. The same rules apply in a situation where a car pulls out of a paralell parking spot in downtown St. John's without looking and collides with a vehicle driving down the street. The parked vehicles in these examples are at fault.
However, there is often room for debate about contributory fault, meaning more than one driver is at fault, and the insurance companies often use charts of typical collision situations as a form of rough justice. If property damage is all that is involved, consumers will have to let claims be adjusted by chart. But if you suffer a significant injury in a parking lot collision, it is in your interest to contact experienced motor vehicle injury lawyers.
Also, if you are in an accident in a parking lot, your insurance works the same way it would work if the accident happened out on the street.