Understanding Liability and Insurance Considerations After a Vehicle Collision in Your Driveway
In a recent incident in our secluded driveway, two parked vehicles unexpectedly collided, raising important questions about liability and insurance coverage for homeowners and auto owners alike. Here’s an overview of the situation and what it might mean for similar cases.
The Scenario
A single homeowner, residing in Wayne County, Michigan, experienced a minor collision involving two stationary vehicles. The primary vehicle, a 2017 Ford Expedition, was parked properly when a family member’s vehicle—an older 1974 Ford F100 truck—began to roll backward unintentionally.
The family member, a 20-year-old with a learner’s policy, had just exited his truck after parking it uphill from the Expedition. While outside, the truck unexpectedly shifted out of park and gently rolled back, colliding with the parked SUV. The incident was captured on nearby security cameras, clearly showing the young man outside and away from the truck when the movement occurred.
Damages and Insurance Details
The Expedition sustained notable damage—flat tire, bumper, headlights, and potential damage to aftermarket wheels, lift kit, and suspension components. The estimated repair costs exceed the vehicle’s value, which is approximately $12,000 to $14,000, and the vehicle is fully paid off. The owner holds a broad collision insurance policy with a $1,000 deductible.
In contrast, the older truck only incurred superficial scratches. It is insured and registered, but given its age and mileage, the damage is minor.
Liability and Coverage Questions
The core question arises: Is the young man responsible for the damage, even if he exited the vehicle? In addition, should the homeowner’s insurance or the vehicle owner’s auto policy bear the costs? Could this be classified as a homeowner’s liability, or is it a simple act of nature?
Furthermore, the owner is concerned about the financial implications of filing a claim, especially considering a prior incident involving damage to the home and potential rate increases. This situation also adds to a history of at-fault incidents for the young man, making insurance considerations more complex.
Potential Next Steps and Considerations
- Liability Assessment: Since the vehicle was parked and the individual was outside it at the time, liability may depend on whether the vehicle was in proper gear and whether the individual took reasonable precautions. In many cases, an unoccupied vehicle that moves may be considered solely the owner’s responsibility, but local laws and specific circumstances can influence this.
