Understanding Vehicle Collisions in Private Driveways: Insurance and Liability Considerations
In many residential settings, it’s uncommon but possible for two parked vehicles to accidentally collide. If you find yourself in such a situation, questions about liability, insurance coverage, and the best course of action often arise. Here’s a real-world scenario to consider, along with key insights.
Scenario Overview
Imagine living in a suburb of Detroit, Michigan, and having a peaceful driveway. One day, your 2017 Ford Expedition, which is fully paid off and valued at approximately $12,000 to $14,000, is parked safely. Your household includes your significant other and her adult son, who operates his own vehicle—a vintage 1974 Ford F100 truck—on his mother’s insurance policy. The truck is a work-in-progress project, licensed and insured.
While the family is present, the son exits his truck after parking it uphill from your Expedition. As he closes the truck door, it unexpectedly pops out of gear and begins rolling backwards—straight into the corner of your Expedition, causing noticeable damage, including a flat tire, bumper, headlights, and potentially more complex components like aftermarket wheels and suspension parts.
Liability & Insurance Considerations
Given that the son was out of his vehicle at the time of impact, many would assume liability might point to him. However, legal and insurance implications can be more nuanced:
- Was the vehicle properly secured? If the vehicle was left in park, but the gear shifted unexpectedly, questions may arise about whether it was correctly parked or if mechanical issues contributed.
- Who holds insurance coverage? Since the truck is insured under the mother’s policy and not your own, liability might be assigned to her insurer, depending on policy specifics and the circumstances.
- Damage coverage: Your auto policy includes broadened collision protection with a $1,000 deductible, which may cover repairs to your Expedition. The extent of liability coverage will depend on insurer assessments, local laws, and claim filings.
Homeowners or Auto Insurance – Which Applies?
Typically, vehicle accidents in private driveways are covered under auto insurance. However, in some cases, homeowners insurance may be relevant—particularly if the damage to your property extends beyond vehicle repairs or if liability is disputed. Since the incident involved a parked vehicle and personal property damage, initiating a claim with your auto insurer is generally advisable.
Financial Implications & Practical Steps
Considering your vehicle’s valuation and the damage incurred, repairs could surpass your deductible. Repair options range
