If a driver to blame for a car accident that damages your home or anything else on your property, they are responsible for paying for the damage.
Almost every state mandates that drivers maintain a minimum property damage liability coverage on their auto insurance policy. This coverage may cover any damage to your home or property.
Your homeowner’s insurance, however, can pay for damage above the limits of the driver’s or vehicle owner’s motor liability policy if their coverage is insufficient to cover all required repairs.
Actions To Take If a Car Hits Your House
A car hitting your house is undoubtedly a terrifying experience. Due to the rarity of this kind of disaster, many people are unsure of what to do in the event. People begin to consider their next course of action when the initial onset of panic passes.
Finding out who is responsible for the accident when a car hits a house is crucial for the homeowner. Most of the time, the faulty driver that hit the home will be held accountable and ordered to pay the homeowner compensation.
When a homeowner drive into his or her own house, he or she may be held accountable and entitled to compensation.
The following are helpful suggestions to remember if a car damages your property:
- Note the make, model, and color of the offending vehicle’s registration number.
- Obtain the motorist’s name, address, and, if possible, insurance information.
- Quickly after the occurrence, take pictures of the situation.
- Inform the police about the event.
- Report the incident to your home or property insurer for informational purposes first, but let them know you’ll get back to them if you need to.
- Keep track of the time spent repairing damage or making the area safe, and any additional costs associated with the accident. You could include these things in your claim.
Who pays for the damage if the driver has no insurance?
In an accident involving an uninsured driver, you’ll likely need to turn to your insurance provider to pay for your losses. Uninsured motorist (UIM) coverage, typically an add-on insurance, is your best option. Only a few states require UIM coverage, although most need insurance companies to provide it to customers.
Typically, the amount of your standard liability coverage can be as significant as your uninsured motorist policy. Even though most states need car insurance for registered vehicles operating on the road, many drivers still do opt in.
The best way to safeguard yourself is to ensure you have UIM coverage. But remember that UIM coverage typically only covers your injuries from a car accident. So, you’ll likely need to buy an additional add-on policy to pay for vehicle repair or replacement following a collision with an uninsured motorist.
What if I caused the damage?
Whether you backed into your garage door or overturned your mailbox, if you caused the damage, your auto insurance will probably not pay for it, and you might have to pay the costs out of pocket.
A homeowner’s insurance claim can be worthwhile if the cost of the property damage exceeds your deductible. Verify that your coverage will cover the damage by speaking with your insurer or agent.
How can you submit a responsibility claim for property damage?
Never will you file a claim against your insurance because property damage insurance covers harm you cause to someone else’s property. Instead, third-party auto insurance claims are typically made for property damage, in which case you or another party claims the at-fault party’s insurance policy.
The maximum the insurance company will pay out as a result of any one accident is determined by the limits on the property damage policy. If the accident-related damage exceeds the coverage limit, the claimant may pursue the policyholder directly to recover the overage. This can entail being held accountable in a civil court.
You can utilize your collision insurance to pay the balance if it is determined that you were mostly to blame for the collision and could not recover enough money from the other driver’s property damage insurance. Even though we advise against it, collision insurance is an option and typically expensive to maintain.
What does auto insurance for property damage cover?
Your property damage insurance will shield you from any ensuing financial obligations if you cause property damage due to an accident. The comprehensive collision plans cover the personal property you buy individually.
With property damage coverage, any motorist can assume some financial responsibility for harm brought on in an accident for which they are held accountable. Regarding this kind of coverage, the insurance provider will pay expenses up to the limit of your coverage on an accident-by-accident basis.
What to Do If the Insurance Company of the At-Fault Driver Refuses to Pay
Return to your auto insurance provider if the other driver’s insurance provider declines to pay for your property damage claim. Your auto insurance provider will cover your property damage claim for the time being if you have the necessary coverage.
However, your insurance provider won’t take bearing the expense lightly. Through a process known as the Nationwide Inter-Company Arbitration, where insurance firms square off against one another settle these kinds of disputes, they will file a claim against the other insurance company.
In most cases, the claim will force the at-fault driver’s carrier to assess the situation realistically and make a payment.