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Say we have these neighbors, right. We're in a duplex. The driveway isn't "separated" per se, but there is a very clear dividing line down the middle between our two garages, with plenty of space between the two. Say our neighbors have the incredibly frustrating tendency to park their cars in our driveway (as in, behind our garage door).
So say one day my wife forgets to check to make sure that these fuckheads haven't parked in our driveway. She uses the little remote to open the garage door, and backs out. And damages their car in the process. Should we be, or more importantly are we, liable for that?
This happened like a month ago, too...the guy nextdoor hadn't said shit since. But now that I'm home (I go to school in another town, so I'm not around much during the school year) he decided to talk to me asking if we had insurance coverage and what not. "No rush" he says. Yeah, no rush indeed, you prick fuck.
So yeah, obviously the next step after getting some input from people who may or may not know what they're talking about (you guys) will be to call my insurance company and see what they think. I have coverage, obviously, but I don't think I should have to cover the deductible (couple hundred bucks) on this bullshit. He was parked in our fucking driveway.
And in case anybody is wondering, the damage was definitely much more than our deductible.
TL;DR version: I know that generally if you're backing up you're automatically at fault, but is there any sort of exception for when fuckheads park without your permission in your driveway? I'm only looking for a "no fault" here, since there was absolutely no damage to our vehicle.
EDIT: If it matters, we rent rather than owning. Same landlord for both sides of the duplex.