I backed into car in an area the HOA bylaws say no parking, can my insurance use this to refuse a claim?

Question:
Recently I was leaving my sister's house after dark and as I backed out of the driveway, I hit a black car parked on the other side of the street.

what car do you drive?


I went back in and told my sister, who was quite angry because her development has a home owners assoc. rule that no one is allowed to park on the street. This is because the builder intentionally built the streets very narrow and the driveways very shallow to get as many homes on the land as possible. The driveways zig-zag down the street, so anywhere you park on the street, you are parked behind a driveway, and there are no street lights. My sister said people who break this rule are just tempting fate. The developer put in two guest parking lots, so there is plenty room for visitors or three car families.

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Still, we contacted the owner and a police report was filed, me being at fault. Obviously, the police can't enforce Home Owner Association bylaws. Can my insurance use the bylaws to deny the claim of the owner of the car?

Answers:

What is the difference between liability versus full coverage for auto insurance?

Nope. You hit a parked car --- duh.

Is their anyway i can re-register a car that dmv has suspended before February?

No. Your coverage will apply as long as it was in force at the time of the accident.

what do you do when you lose your smog registration form? can the smog check station still do the check?

My guess is that your insurance company could deny to pay because the car was illegally parked. But, it would most likely not be in their best interests to fight it in court. If the street is a public street & legally posted as no parking, then the police can enforce the no parking.

I am trying to find who owns an SUV with IL license#9876257?

you hit it you are responsible.
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