For police, attorneys, insurance types. My wife had an accident yesterday and I seek expert advice on fault!?

She hit a parked vehicle (illegally parked in the middle of our cul de sac) by backing into the vehicle. Is this a situation where the other driver is at fault, both are at fault, or my wife is at fault.


Will insurance adjusters raise our rates for this or not. No damage to the parked vehicle, our car sustained minor damage. No injuries.For police, attorneys, insurance types. My wife had an accident yesterday and I seek expert advice on fault!?
It is a single vehicle, at fault accident. The fact a vehicle is illegaly parked doesn't make it invisible, nor does it mean it is open season to hit it without being blamed. The other driver cannot be at fault if the car was not being driven.


Sorry, I know that isn't what you wanted to hear, but it is exactly the way insurance will look at it. Whether rates are raised or not depends totally on your policy, and how good past records are.


If no claim is put in by the owner of the parked vehicle, and your damage is minor enough that you don't put in a claim, your insurance will not be affected, unless police were called and issued a citation to your wife.


The most that can be issued to the owner of the parked car is a parking ticket.For police, attorneys, insurance types. My wife had an accident yesterday and I seek expert advice on fault!?
If I was the officer called out to investigate %26amp; the other vehicle was illegally parked, both drivers would be cited. The wife for a backing accident (almost 100% of the time a backing accident is at fault), and the vehicle struck for being illegally parked. The ins companies may place a 50/50 culpabilty on both drivers, settle and go on or they could try to play hard ball. Depends on who the ins co is.
Your wife is absolutely 100% at fault here. People try to pull the ';illegally parked'; excuse all the time. Ok, I understand that car was not supposed to be parked there. But how on earth does that give her permission to hit it? What If it was a child ';illegally parked'; there? Your wife is responsible for looking before she backs. Regarding if she thinks something should be there or not.





So, to answer your question- your carrier will pay for the other cars damages. Your rates MAY raise but every company and situation are different- no one can answer that but your agent.
Your wife is 100%. Doesn't matter how the vehicle was parked, she should have seen it no matter what. Your insurance premium will go up, she receives 1 point for an 'at fault accident'.
if a no parking sign was pesent then both of u share fault, if it wasnt then shes at fault