Understanding Vehicle Incidents in Private Driveways: Insurance and Liability Considerations
Dealing with vehicle accidents on private property can be a complex matter, especially when damage occurs unexpectedly. Consider a recent scenario where two parked vehicles in a residential driveway unintentionally collided. The incident involved a 2017 Ford Expedition, parked and stationary, and a classic 1974 Ford F100 truck driven by a young adult.
In this instance, the F100 was parked uphill from the Expedition. After parking and closing the truck door, the vehicle unexpectedly rolled backward, striking the front corner of the Expedition. The driver had exited the vehicle, and the entire event was captured on surveillance footage, confirming the driver was out of the vehicle at the moment of impact.
The consequences were significant for the Expedition, which sustained damage including a flat tire, bumper, headlight, and possible damage to aftermarket wheels and suspension components. The vehicle’s estimated repair cost exceeds its current value, approximately $12,000 to $14,000. The owner has broad collision coverage with a $1,000 deductible but remains concerned about how to proceed.
Key Questions and Considerations
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Determining Responsibility:
Even though the driver exited the vehicle, the question arises whether liability still rests with him, especially if the vehicle was left in gear and capable of rolling. Typically, if a vehicle is left unattended and in a position that allows movement, the owner or operator might hold some responsibility. Local laws and insurance policies often regard a driver’s exit from a vehicle as a factor in liability, but this can vary. -
Insurance Coverage:
Would the homeowner’s insurance cover the damages? Usually, homeowner policies primarily cover property damage and liability related to the residence and personal injuries, but some policies may extend to incidents involving parked vehicles. Auto insurance (comprehensive or collision) appears to be more directly applicable for the parked vehicle’s damages, especially if the vehicle was properly insured. -
Liability of the Young Driver:
Since the individual was operating a vehicle under his mother’s insurance policy, the question of fault impacts future premiums and potential liability. The driver has prior at-fault incidents, which could influence insurance decisions and liability considerations moving forward. -
Financial Implications and Repair Options:
The vehicle’s damage level suggests it may be repairable as a “safety” fix rather than a complete restoration, especially given financial constraints. The owner’s primary goal is to ensure
