Understanding Your Vehicle Collision in Your Driveway: Navigating Insurance and Liability
Experiencing an accidental collision involving two parked vehicles on your property can be a perplexing situation, especially when considering insurance coverage and liability. Recently, a homeowner in the Detroit suburbs faced such an incident, and the circumstances offer valuable insights into managing similar events.
Scenario Overview
The homeowner, living with their partner and her son, encountered an unexpected collision in their driveway. The resident’s 2017 Ford Expedition was parked, while the son, a 20-year-old driving his 1974 Ford F100 project truck—fully licensed and insured—was also parked uphill from the Expedition. After exiting his vehicle, the truck shifted out of park and rolled backward, striking the front corner of the Expedition.
Details and Damages
The collision was captured on camera, showing the young man stepping out of the truck before it began to move. The results included notable damage to the Expedition, such as a flat tire, bumper, headlight, and potential damage to aftermarket wheels, tires, lift kit, and A-arm. Conversely, the older truck sustained only superficial scratches.
Liability and Insurance Considerations
The question arises: Who bears responsibility? Since the driver was out of the vehicle at the time, does this absolve him from fault? Generally, in situations like this, the vehicle’s owner or operator is liable for damages caused by it’s movement, especially when it was left in gear without the parking brake engaged.
In terms of insurance coverage, the homeowner’s policy might come into play. Typically, homeowners insurance can cover damage caused by vehicles on your property if certain conditions are met. However, if the vehicle was driven or operated negligently, or if it was a momentary lapse, insurers may argue whether to cover the claim. The homeowner’s broadened collision coverage, with a $1,000 deductible, is relevant here. Given the estimated repair costs surpassing that, it may be worthwhile to pursue this claim.
Financial Implications
The homeowner’s Expedition is valued between $12,000 and $14,000, and the damages are significant. While the vehicle is paid off, repairs could be substantial, especially if aftermarket modifications are affected. The old truck, on the other hand, sustained only minor scratches and may not warrant extensive repairs.
From an insurance perspective, depending on the claims process and liability determination, the financial impact could vary. The young driver has a record of multiple at-fault accidents,
