Handling Property Damage from Unattended Vehicles: Understanding Your Insurance Options
In residential scenarios, accidents involving parked vehicles can raise important questions about liability and insurance coverage. Recently, a situation unfolded where two parked vehicles in a driveway were involved in an unintended collision. Here’s a detailed look at the incident and some guidance on how homeowners and vehicle owners can navigate similar situations.
The Scenario
A homeowner, residing in Wayne County, Michigan, experienced a minor yet costly incident involving two parked vehicles. The homeowner’s 2017 Ford Expedition was parked in the driveway when a family member’s son, a 20-year-old with an active driver’s license, was operating a 1974 Ford F100 pickup truck. The truck, a work-in-progress project vehicle, was insured and licensed.
According to the account, the young man exited his truck and closed the door, which unexpectedly popped out of park. The truck then began rolling backward, striking the front corner of the homeowner’s Expedition. Surveillance footage confirms he was outside the vehicle at the time but had just stepped out.
Damages and Vehicle Values
The impact resulted in significant damage to the Expedition, including a flat tire, bumper, headlight, and possible damage to aftermarket wheels, tires, a lift kit, and suspension components. The vehicle’s estimated value ranges between $12,000 and $14,000, and it is fully paid off. The damages exceed the deductible on the homeowner’s broadened collision insurance, which is set at $1,000.
The other vehicle, the truck, only sustained superficial scratches.
Legal and Insurance Considerations
A key question arises: Is the driver at fault even if he was out of the vehicle? Typically, liability depends on the circumstances, such as whether the driver was negligent or the vehicle was improperly secured. Since the young man exited the vehicle, but it started rolling due to a gear selection issue, insurance claims can be complex.
In this case, the homeowner is contemplating whether to file a claim through homeowner’s insurance or auto insurance. These decisions carry long-term financial implications, especially considering previous claims related to property issues, which could influence premiums.
Insurance Options and Responsibilities
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Auto Insurance (Collision Coverage): Since the damage involves a parked personal vehicle, collision coverage is generally applicable. The homeowner’s collision insurance can cover repairs, minus the deductible. However, insurance premiums might increase following such claims.
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Homeowners Insurance: While homeowner’s policies typically cover property damage, they might
