A freak accident pushes the car into the owner’s garage

By CARESSE JACKMAN

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NASHVILLE, Tenn. (WSMV) — A freak accident during a delivery sent an SUV plowing through Susan Rowe’s garage in Franklin.

“We had to call the wonderful Franklin Fire, Police to secure the car before we got in,” Rowe said. “They actually had to hammer all the bumps in to get the garage back down.”

Rowe told News4 the driver called his insurance company thinking it would be a quick claim, but it was declined because the driver did not have rental car insurance, leaving repairs of Rowe’s home in limbo as she waits to hear if DoorDash or her landlord’s insurance will help cover the repairs.

“I think it’s around $1,600 to $2,000,” Rowe said.

News4 has contacted the Department of Commerce and Insurance regarding the claim. Most personal auto insurance policies do not offer coverage in their standard policies for drivers when driving for carrier companies. However, they often provide coverage for an additional premium.

As for Rowe, she said she wasn’t mad at the reader.

“We were very lucky. The young woman was not injured and it is a garage door. It can always be fixed,” Rowe said.

Rowe wants to use this situation as a teaching moment, especially for young drivers and for people who don’t know what insurance doesn’t cover.

“If you’re a parent and your child does any of these things, be sure to call your insurance agent and be sure to let them know, ‘Hey, my child is covered by my policy and is a new position as a food delivery worker. What should I do to be protected?’ That’s the most important message I have for everyone out there,” Rowe said.

So that a freak accident doesn’t happen in your driveway.

DoorDash released a statement to News4 about the accident:

“We take the safety of our community very seriously. We have been in touch with the owner to offer him our support and immediately upon learning of the incident put him in touch with our insurance company to deal with any damage caused.

DoorDash said it requires all Dashers to maintain an up-to-date auto insurance policy.

Whenever made aware of an incident involving a Dasher or any other member of the community, DoorDash has a 24/7 Trust and Safety team investigating the situation and taking all appropriate measures, including reaching out, providing support and engaging with law enforcement as needed.

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