Understanding Vehicle Incidents in Residential Driveways: Insurance Considerations and Best Practices
Dealing with vehicle accidents on private property can be a complex and stressful experience, especially when multiple parties are involved. Recently, a situation unfolded in a residential driveway where two parked vehicles inadvertently collided, raising important questions about liability, insurance coverage, and financial implications. Here’s an overview of the scenario, along with insights into how homeowners and auto insurance policies typically handle such incidents.
Scenario Overview
In a suburban setting in Wayne County, Michigan, a 2017 Ford Expedition was parked securely in the driveway. Nearby, a 20-year-old attempting to move his vintage 1974 Ford F100 truck—an ongoing project vehicle—parked his truck uphill from the Expedition. After exiting the truck, which was insured and properly licensed, he closed the door with the vehicle still in neutral, resulting in the truck rolling backward and hitting the parked Expedition.
The aftermath included visible damage: a flat tire, bumper, headlights, and possibly parts of the suspension system like the A-arm. The Expedition, valued between $12,000 and $14,000, sustained significant damage, while the truck only had minor scratches. The incident was captured on security footage, confirming the individual was out of the vehicle at the time of the impact.
Key Questions and Considerations
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Liability and Fault:
Since the driver exited the vehicle and it rolled backward, questions arise about who is responsible. Generally, if a vehicle is left unattended but in gear or without the parking brake engaged, the owner or operator may bear liability for resultant damages. The fact that the driver was out of the vehicle might influence fault determination, but each case depends on specific circumstances and local laws. -
Insurance Coverage and Claims:
- Auto Insurance: Given that the vehicle was insured, damage to the truck is straightforwardly covered under its policy, especially since it is registered and insured. In contrast, the Expedition’s damages could be claimed against the vehicle’s own collision coverage, which has a deductible.
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Homeowners Insurance: Typically, homeowners policies do not cover vehicle damage unless it involves a covered peril like theft or vandalism. Accident damages from a vehicle collision are usually handled under auto insurance policies.
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Responsibility of the Vehicle Owner:
The question of whether the driver—despite being out of the vehicle—is at fault depends on whether he took reasonable precautions to prevent the vehicle from moving
