Title: Navigating Auto Insurance Dilemmas After a Driveway Collision: What You Need to Know
Understanding how liability and insurance coverage work in minor vehicle accidents at home can be confusing. Recent events in a residential driveway highlight the importance of clarity regarding fault and insurance responsibilities, especially for those living in Michigan or similar regions.
The Incident
A 2017 Ford Expedition was parked in a residential driveway when a 20-year-old individual, driving a vintage 1974 Ford F100 truck — which is registered and insured — attempted to park uphill from the Expedition. After the driver exited the vehicle, the truck unexpectedly rolled backward, striking the front corner of the Expedition. Fortunately, everyone was present and the incident was captured on security camera, confirming the driver was out of the vehicle at the time.
The Damage
The Expedition sustained significant damage, including a flat tire, bumper, headlight, and potentially more severe issues like aftermarket wheel and lift-related components or suspension parts. Valued at approximately $12,000–$14,000, the vehicle is fully paid off, and insurance coverage includes broad collision with a $1,000 deductible.
In contrast, the truck only has minor scratches. The key question is: Who is liable, and which party’s insurance is responsible for covering repairs?
Liability and Insurance Considerations
Typically, if you are out of your vehicle and it begins to roll, liability depends on who was responsible for controlling the vehicle at the time. Given that the young man had just exited his truck, questions arise:
- Is the driver responsible since he caused the vehicle to move?
- Does the homeowner’s or auto insurance cover damages?
In Michigan, insurance laws generally indicate that the vehicle owner or operator would be liable for damages caused by the vehicle. Since the driver was out of the vehicle and it was left in a potentially unsecured state, liability could rest with him, especially if negligence is proven.
Homeowners vs. Auto Insurance
Deciding whether homeowners or auto insurance should cover the damages depends on several factors:
- As the vehicle was parked on private property and the incident involved vehicle movement, auto insurance is usually the primary coverage.
- Homeowners insurance typically does not cover auto-related damages unless specific endorsements or coverage are in place.
Considering the driver’s limited driving record—already with at-fault incidents—it’s essential to understand the potential long-term impact of claims on his insurance profile.
Financial Implications
The current damages to the Expedition
