Understanding Responsibility After a Vehicle Collision in Your Driveway
In a recent incident in Wayne County, Michigan, a driveway accident between two parked vehicles sparked questions about insurance responsibilities and liability. This event involved a 2017 Ford Expedition and a vintage 1974 Ford F-100 truck, which was being worked on as a project.
The scenario unfolded as follows: the younger driver, a 20-year-old residing on his mother’s auto policy, had parked his vintage truck uphill from the Expedition. After getting out of the truck and closing its door, the vehicle unexpectedly rolled backward, striking the front corner of the Expedition. Although the young man was out of the truck at the time, it’s crucial to understand the implications of the incident regarding fault and insurance claims.
Details of the Incident
- The Ford Expedition was parked and unoccupied at the time, with visible damages including a flat tire, bumper damage, potentially compromised headlights, and possible harm to the aftermarket wheels, tires, lift kit, and A-arm.
- The vintage Ford F-100, being a work-in-progress project, sustained only superficial scratches.
- Both vehicles were insured, with the Expedition covered under a comprehensive policy featuring a $1,000 deductible.
Key Questions Raised
- Who bears fault if the vehicle rolled while the operator was out?
- Would homeowner’s insurance cover damages?
- Is this considered an act of negligence, or could it be classified as an unpredictable event?
- Which insurance pathway might lead to fewer financial repercussions?
Liability Considerations
Although the young driver exited the vehicle, the incident’s circumstances invite scrutiny regarding liability. Generally, the driver’s control over their vehicle and whether proper parking precautions were taken are assessed to determine fault. Since the vehicle started rolling without the driver in it, questions about whether it was left in gear or if parking brake application was adequate come into play.
Insurance Implications
- Auto Insurance: Typically, damages resulting from a vehicle accident are covered under auto policies. The owner’s collision coverage would likely address the repair costs, subject to the deductible.
- Homeowners Insurance: Usually, damages involving parked vehicles aren’t invoked through homeowner’s policies unless extraordinary circumstances exist.
- Liability and Negligence: If the vehicle was left improperly parked or without engaging the parking brake, the owner or operator may be deemed negligent.
Financial Outlook
Given the vehicle’s estimated value of $12,000 to $14,000, repair costs could be significant
