diff --git a/lib/astutils.cpp b/lib/astutils.cpp
index 8c87b324127..1c301bbf596 100644
--- a/lib/astutils.cpp
+++ b/lib/astutils.cpp
@@ -2617,6 +2617,14 @@ bool isVariableChangedByFunctionCall(const Token *tok, int indirect, const Setti
     return false;
 }
 
+static bool hasOverloadedMemberAccess(const Token* tok)
+{
+    if (!Token::simpleMatch(tok, "."))
+        return false;
+    const Token* varTok = tok->astOperand2();
+    return !varTok || !varTok->variable() || !varTok->variable()->valueType() || varTok->variable()->valueType()->pointer == 0;
+}
+
 bool isVariableChanged(const Token *tok, int indirect, const Settings &settings, int depth)
 {
     if (!isMutableExpression(tok))
@@ -2631,7 +2639,7 @@ bool isVariableChanged(const Token *tok, int indirect, const Settings &settings,
            (Token::simpleMatch(tok2->astParent(), ".") && !Token::Match(tok2->astParent()->astParent(), "[(,]")) ||
            (tok2->astParent() && tok2->astParent()->isUnaryOp("&") && Token::simpleMatch(tok2->astParent()->astParent(), ".") && tok2->astParent()->astParent()->originalName()=="->") ||
            (Token::simpleMatch(tok2->astParent(), "[") && tok2 == tok2->astParent()->astOperand1())) {
-        if (tok2->astParent() && (tok2->astParent()->isUnaryOp("*") || (astIsLHS(tok2) && tok2->astParent()->originalName() == "->")))
+        if (tok2->astParent() && (tok2->astParent()->isUnaryOp("*") || (astIsLHS(tok2) && tok2->astParent()->originalName() == "->" && !hasOverloadedMemberAccess(tok2))))
             derefs++;
         if (derefs > indirect)
             break;
diff --git a/test/testother.cpp b/test/testother.cpp
index 8f21a7eedea..33a7714d0b0 100644
--- a/test/testother.cpp
+++ b/test/testother.cpp
@@ -3974,6 +3974,13 @@ class TestOther : public TestFixture {
               "    return (void*)&s;\n"
               "}\n"); // don't crash
         ASSERT_EQUALS("", errout_str());
+
+        check("struct S { int i; };\n" // #14251
+              "struct T { std::optional<S> s; };\n"
+              "void f(T& t) {\n"
+              "    t.s->i = 0;\n"
+              "}\n");
+        ASSERT_EQUALS("", errout_str());
     }
 
     void constParameterCallback() {