What Repairs Do I Need After Someone Runs a Car into My House?
Though not necessarily a common accident, this kind of accident can be devastating to both the driver and the homeowner. 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.
Auto Insurance Policy
In most cases, any person that causes an 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. 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.
Deductibles on Claims
In cases where homeowner’s policies have very high deductibles, a professional Jenkins estimator will assess the level of damage to determine if the cost would exceed the deductible. In high insurance deductible cases, if the damages to your home are insignificant, it may not be worth filing a claim.
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 the driver doesn’t have auto insurance, this 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.
Now that you know more, contact Jenkins Restorations for repair services. Our experienced and skilled team members offer 24/7 emergency services and can be reached any time at 1-888-450-6580.