Is the damage to my car in his driveway all my fault?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Dec 1, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Holyoke, MA
Asked on 12/01/2012
Is the damage to my car in his driveway all my fault? I just slid down my friend's icy driveway and into a brick post. Is he at fault at all, or must I pay my deductible and have that against me on my insurance?
Answer given on December 03, 2012
If you had an accident due to slippery road or driveway the responsibility is yours. The property owner is not responsible for the fact that there was ice on the driveway. You were driving the car and lost control. This would be considered an at fault accident.You should get an estimate before you report the incident to your insurance company. If the damage is under your deductible, then there is no reason to report the claim. If it is over the deductible, make sure the amount you will receive is sufficient, as your rates could go up for the accident. The surcharge would be for three years, and could end up costing you more than the amount you will get from the insurance.If the damage is high enough go ahead and report the incident to your insurance company. If the storm was significant, it is possible the company will consider it a catastrophe and then would not surcharge you.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.