Quote:
Posted By CharlesF8 on 05/25/2016 10:47 AM
The roads in my HOA are private with public access. One resident allows his 12 YO son to drive the family car on subdivision roads. The resident says they "can do what they want" on private roads. Is this true?
Charles F8 Michigan : good comments above. With so much left out of your scenario ( eg legal status of the HOA; any 'deemed' or other occupiers liability for your category of association/corporation/ road usage etc ) it is virtually impossible to sort out the resultant liability risks to other owners & to your association. Stopping the risky behaviour is a further issue.
Whether it is an unlicensed 12 year old or an unlicensed chicken behind the wheel, you might take a look at the following issues and more :
Is the "private road" technically owned by your association ? is it insured by that association ?
Is there a 'covenanted onto title' or a 'deemed statutory' occupiers liability as to that road ? If so, how is it distributed eg association only ? onto personal co-owners of the road jointly & severally opening the door to injured victims choosing to recover only against a co-owner with deep pockets ?
Do association by-laws address the factuals ? Is it prohibited by some provisions on title etc ? What is the expressed duty to enforce such provisions ?
Alternatively, bare unincorporated groups of voluntary users of someone's easement = a wild west of issues . .
You leave out so much that you may need to refer to a lawyer or paralegal to review the documents.
If an otherwise insurable property loss or injury occurs involving the unlicensed & uninsurable minor, there may be NO auto coverage available from the parent's insurer.