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Car insurance/liability question...
mcdermott
Registered User regular
Registered User regular
So, just out of curiosity...
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.
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.
mcdermott on
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Was he parked, like, totally in front of the garage, or was his car just sticking a little onto your side? i.e., if your wife was looking where she was going, should she have seen the car?
I think you're probably fucked, but you may want to talk to a cop/insurance agent you know first (not your insurance agent), to see what they think.
If he was a penny arcade forumer, he'd probably be making a post with "I think my neighbor hit my car a month ago, but I don't really know what I should do."
Either way, it doesn't matter where he parked -- your wife hit him. He could be completely on his side, or behind her, or whatever. She still hit another car with her car. His car was not moving, nor did it have someone in it, so he did not cause the accident. Even though he owns way more cars than he likely needs or even uses, that's a different issue.
It's up to you if you want to talk to him about it or wait it out. It's also up to you if you want to pay for the damage out of pocket or let your insurance do it if you do pay for it, as filing a claim will cause your insurance to go up for 3 years (at which point you'd be able to change companies).
They put in a claim on their insurance, their insurance tells your insurance, your insurance charges you (since it's technically your fault). If your insurance were to fight it, they may win, but I doubt they would.
How much is he claiming in damages? It may be worth it to just settle without involving insurance.
My vague suspicion is that you might have a legal leg to stand on in claiming that the neighbor is at fault in this situation, and thus bears the burden of financial responsibility here, not your wife.
Probably depends on your state laws, though. Why don't you take a quick look through your local statutes if you've got a half hour to kill?
Well, if it's shared, and both of them rent, then it's not his property nor is it illegal parking. It's already private property, so unless the city checked out the parking area and split the driveway, it's just an arbitrary line that the landlord painted on.
Kind of like when a neighborkid leaves a bike on shared land in a townhouse neighborhood. People will probably have some bushes and shrubs up that makes it look like its their own, but it's still shared. I assume the shared parking area is a gentleman's agreement, but if there IS a clause in the rental policy that says you will have full access to your own parking and driveway, then you've got a good point to argue to at least split the difference.
If it's an older car, fixing paneling is not that expensive. You could talk to the guy about splitting the difference, since the best scenario is likely that you were both in the wrong -- he parked a little on your side, and your wife should have just asked him to move before she got in the car in the first place.
IF it is explicitly stated in the lease that it is shared that's true, but I'd be surprised if it were.
It may be an arbitrary line created by the landlord, but if the landlord arbitrarily divides the driveway in half and says "that's yours and that over there is his" that doesn't change the fact that each area is the property of the respective renter. The rules of domicile and tresspass apply in such an instance (as long as it doesn't contradict state or local law, of course).