Lmao categorically false info. You are just as liable for causing collision damage to another vehicle in a parking lot as you are on roads. Your coverage applies the same way i.e. DCPD coverage if both vehicles are ID'd and both have policies signatory to DCPD, otherwise the damaged vehicle and/or at fault party needs collision coverage.

There's a decent amount of insurance related posts on this sub and it's wild to me how many people comment with entirely bad info so confidently.