The parking lot was zoned and the property monitoring was broken.

Legal analysis: after the car is rubbed in the community, it should be reported in time. In addition to reporting to the traffic control department, it is also necessary to report to the insurance company within 48 hours. For unilateral accidents, you can directly call the report phone or go to an auto repair shop with a fixed loss qualification. For both parties to the accident, the traffic management department shall clarify their respective responsibilities and issue relevant responsibility confirmation letters. The main responsible party will report the case to the insurance company, and both parties will go to the insurance company to determine the loss.

Legal basis: Article 76 of the Road Traffic Safety Law of the People's Republic of China stipulates that if a motor vehicle accident causes personal injury or property loss, the insurance company shall make compensation within the liability limit of compulsory motor vehicle third party liability insurance; The insufficient part shall be liable for compensation in accordance with the following provisions:

(1) In case of a traffic accident between motor vehicles, the party at fault shall be liable for compensation; If both parties are at fault, they shall share the responsibility according to their respective fault proportions.

(two) motor vehicles and non-motor vehicle drivers and pedestrians have traffic accidents, and the non-motor vehicle drivers and pedestrians are not at fault, and the motor vehicle party shall be liable for compensation; If there is evidence that non-motor vehicle drivers and pedestrians are at fault, the liability for compensation of the motor vehicle party shall be appropriately reduced according to the degree of fault; If the motor vehicle party is not at fault, it shall be liable for compensation not exceeding 10%.

The loss of traffic accidents is caused by non-motor vehicle drivers and pedestrians deliberately colliding with motor vehicles, and the motor vehicle party is not liable for compensation.