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Martian is right about private property and the rules of the road, and most of it translates to the US. However, there's no $1,000 rule of thumb for police reports. Generally speaking, if you're in an accident and there's damage, call the police so that your insurance will respond.
I know from personal experience that the cops can ticket you if you blow through a posted stop sign on private property. I was in a car with a friend driving when he slowly rolled through a stop sign at a mall, and the cop lit us up. It was a $150 ticket, if I remember right.
As far as pedestrians in parking lots, on private property they are given the absolute right-of-way. So if someone hits you while you're walking in a parking lot, they're absoltely at fault. The law views a parking lot as one big sidewalk and therefore to be deferred to under pretty much all circumstances. You can't be ticketed for jaywalking in a parking lot, but you can be ticketed for striking a pedestrian.
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"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
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"We have met the enemy and he is us." - Pogo
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