What Repairs Do I Need After a Car Runs into My House?
While it’s certainly not a common accident, having a car crash into your house can be devastating to both the driver and the homeowner. Even as uncommon as it seems, there is still 20,000 vehicle to building car accidents per year in the United States! Before Jenkins Restorations can restore your home to its original condition, we’d like to help you understand the different insurance company policies that may come into play.
Primarily, there is both car insurance and home insurance to consider. To help ease any confusion on the steps to take regarding policies, coverage, claims and personal property repairs, here’s some advice on where to start. Below are steps to what happens when a car crashes into your house.
Auto Insurance Policy
In most cases, if a car crashes into your house, mailbox, fence, or causes damage to anything on your property, the driver that caused the accident is liable for the damages. On an insurance claim, the driver at fault would be responsible for the damages in the event they crash into your house. Most states require drivers to have a minimum amount of property damage liability coverage that comes with their auto policy. Auto insurance should cover property damage up to a given limit.
For example, if the damages amount to $10,000 and the collision coverage has a limit of $20,000, the insurance will pay fully. Yet, what would happen if the damages are more than the limit of $20,000?
Homeowners Insurance Coverage
If the damages cost more than the property damage can cover, your homeowners insurance policy will cover the additional damages. A standard home insurance policy may include vehicles among the things that may cause damages to your home.
In this case, it would be important to verify with an insurance professional exactly what your policy covers and if vehicles are included in your policy.
What if You Are The Driver?
If you are the one driving the car at the time of the accident, the same rules should apply. However, in this case, your auto insurance policy may cover the damages to your car, while the homeowner’s policy may be used to cover for the damages on your house.
It is important to read your policies carefully so that you can be sure of what is covered. We recommend contacting your insurance agent immediately after the accident.
If your vehicle has caused the damage, you will be claiming from both policies, which will mean more deductibles. If you have the same insurer for car and home, you may not have to fulfill both deductibles. It is important to weigh all the options before making a decision on whether to file a claim or pay for repairs out of pocket.
What if the Driver is Uninsured?
If a car crashes into your home and the driver does not have any insurance at all, you may have no choice but to file a claim with your own insurer. This also means the repairs will default to your homeowner’s insurance. As mentioned above, this is often covered in your homeowner’s insurance policy. However, you will still be responsible for the deductible on your repairs.
If this happens, consider calling a lawyer to see if suing the driver is the best course of action.
As the homeowner, you will have to pay for the damages to your mailbox unless it is covered by your homeowner’s insurance policy. If someone hits your mailbox and leaves without saying anything, this is considered a “hit and run.” You should file a report with the police immediately so they can start investigating and find out who is responsible.
Does homeowners insurance cover mailbox damage?
If someone hits your mailbox, depending on your homeowners insurance, that could qualify as a covered loss under your policy. If you’re in a situation like this, you’d usually try to file a police complaint and force whoever is at fault to replace the mailbox.
Has a Car Recently Drove into Your House?
Make sure to call Jenkins Restorations to get your property – and your life – back to normal again.
Jenkins Restorations specializes in the reconstruction and repair of property damaged by wind, water, fire, storms, vandalism or burglary. We offer 24/7 Emergency Services to get you quickly and professionally restored!