Title: Navigating Vehicle Collisions on Private Property: Insurance and Liability Considerations
Understanding liability and insurance coverage in vehicle accidents that occur on private property can be complex, especially when dealing with unoccupied vehicles involved in minor collisions. Recent real-world scenarios underscore the importance of knowing who is responsible and how insurance policies come into play.
Consider a situation where two parked vehicles in a private driveway accidentally collide. In this case, a 2017 Ford Expedition was stationary when a family member’s older project truck, a 1974 Ford F100, began rolling backward after the door was closed. The truck, which was parked uphill from the Expedition, was driven onto the property, properly licensed and insured. Despite the driver being out of the truck at the time, the vehicle moved suddenly, striking the Expedition and causing noticeable damage.
The aftermath involved visible vehicle damage—such as a flat tire, bumper, headlight, and potential suspension damage—valued between $12,000 and $14,000. The truck itself incurred only minor scratches. The vehicle owner’s insurance included collision coverage with a $1,000 deductible, but questions arose regarding liability:
- Is the driver at fault given they had exited the vehicle?
- Would homeowner’s insurance potentially cover such damages?
- Could this incident be considered an act of God or an unavoidable accident?
From a liability standpoint, if the driver exited the vehicle and it rolled away, the vehicle’s driver’s responsibility typically hinges on whether they took reasonable precautions to prevent such an event. Insurance providers generally consider whether the action was preventable and whether vehicle controls were properly engaged.
In terms of insurance claims, collision coverage is often the primary route for repair costs, especially if the vehicle is not covered under separate roadside or liability policies. Homeowner’s insurance usually excludes coverage for damage to vehicles unless specifically included under comprehensive coverage, which is less common.
Financial considerations are critical. With the vehicle valued significantly, repairs could easily surpass the deductible and potentially be worth the effort. Conversely, if the vehicle is older or has been heavily customized, owners might opt for a more economical repair instead of full restoration. In this scenario, the vehicle owner expressed concern over the repair costs and the impact on the vehicle’s value and appearance.
This incident also highlights the importance of clear communication and responsibility, especially when involving young or inexperienced drivers operating project vehicles. It’s wise to ensure controls are securely engaged, and vehicles are parked in a manner that minimizes risk.
In situations like this, reviewing
