Understanding Insurance & Liability After an Unintended Vehicle Collision in Your Driveway
In residential settings, vehicle mishaps can occur unexpectedly, raising questions about liability and insurance coverage. Recently, a situation unfolded in a Detroit suburb involving two parked vehicles in a homeowner’s driveway, prompting a discussion on responsible coverage and financial implications.
Case Overview:
The homeowner, residing with a committed partner and her son, experienced an incident involving their vehicles. The primary vehicle, a 2017 Ford Expedition, was parked securely. Meanwhile, the son, aged 20, was operating his vintage 1974 Ford F-100 pickup—currently a work-in-progress project truck—while on his mother’s insurance policy.
While exiting his truck, the young man left the door partially open. Upon closing it, the door unexpectedly popped out of park, causing the vehicle to roll backward and strike the front of the parked Expedition. Fortunately, the incident was captured on surveillance footage, confirming he had just exited the vehicle prior to the collision.
Damage Assessment:
The Expedition sustained notable damage, including a flat tire, bumper issues, headlight damage, and potential harm to aftermarket wheels, tires, lift components, and the A-arm. The estimated repair value ranges from $12,000 to $14,000, and the vehicle is fully paid off. Insurance coverage includes broadened collision with a $1,000 deductible. Conversely, the project truck only has superficial scratches.
Liability & Insurance Considerations:
A key question arises: Is the young man at fault even though he had exited the vehicle? Typically, liability in such cases depends on whether the vehicle was under control or could reasonably be considered in motion. Since the door closed and caused the vehicle to roll, it is likely considered his responsibility.
Coverage pathways include:
– Homeowner’s insurance: Many homeowners might assume their policy covers damage caused by their parked vehicle or accidental incidents on their premises. However, coverage varies, and some policies exclude vehicular damage.
– Auto insurance: Since the incident involved a vehicle, auto or collision coverage is often the primary recourse. If the vehicle was insured, filing a claim for the damages would be standard procedure.
Financial Implications:
Given the damage exceeds preliminary estimates and considering the owner’s prior insurance claims, there are concerns regarding future premium adjustments. The homeowner has expressed hesitancy about filing claims, particularly due to past increases in rates following previous incidents.
If liability is assigned to the young man, it might