Understanding Vehicle Incidents in Private Driveways: Insurance Considerations and Next Steps
Dealing with vehicle accidents on private property can be complex, especially when it involves unoccupied vehicles and potential insurance claims. Here’s a scenario that highlights the importance of understanding liability and coverage options.
Case Overview:
A homeowner in Wayne County, Michigan, experienced a collision in the driveway involving two parked vehicles. The primary vehicle, a 2017 Ford Expedition, was parked and unoccupied at the time. The secondary vehicle, a 20-year-old Ford F-100 pickup on a project rebuild, was driven onto the driveway by the owner’s fiancé’s son. The young driver parked uphill from the Expedition, exited the truck, and closed the door. Upon closing, the truck unexpectedly rolled backward, striking the Expedition’s front corner.
Damage Assessment:
The Expedition sustained significant damage, including a flat tire, bumper damage, and potential damage to aftermarket wheels, lift kit components, and possibly the A-arm. The estimated repair costs exceed $12,000, and the vehicle is fully paid off. The truck, meanwhile, sustained only minor scratches. Both vehicles were parked and unoccupied at the time of the incident.
Liability and Insurance Insights:
This situation raises important questions about responsibility and the role of insurance coverage:
– Is the young driver at fault since he exited the vehicle while it was rolling?
– Would homeowners insurance cover damages caused by a vehicle on the property?
– Could the incident be classified as an act of God or a random act, affecting insurance claims?
– What are the financial implications of pursuing repairs through auto insurance versus homeowners coverage?
Considerations:
In Michigan, auto insurance laws and homeowners policies can influence how such incidents are handled. Since the vehicle was parked, unoccupied, and the driver was actively exiting, liability might be attributed to the driver or vehicle owner, but each case varies. If the driver was operating the vehicle without proper containment or parking brake engagement, liability may lean toward him. Conversely, if the vehicle’s parking mechanisms failed or were improperly used, the vehicle owner might bear some responsibility.
Impact on Finances:
Given the repair estimates and existing insurance deductible, filing a claim could affect future premiums and credit, especially considering this young driver’s prior at-fault incidents. It’s also worth assessing whether repairing the Expedition to a near-original condition or simply making it roadworthy aligns with your financial situation and long-term vehicle plans.
Personal Context:
The owner mentions emotional attachment to the vehicle, which had been
