Is homeowners responsible or car insurance?

Question

The brakes on my aunt's car went out and when she turned into her driveway she hit the house. SHe is fine both airbags came out, but now the home owners says they will not pay and the car insurance say they will not pay. They said if someone else had hit the house they would. Can anyone give me some insight to the iNSURANCE industry.

Answer 1

Who's house did she hit?

If she hit her own, her homeowners *might* pay. Her auto won't. The coverage on the auto policy that pays for property damage is called Property Damage Liability. Sometimes called, Damage to Property of Others. They only pay for something that you are legally LIABLE for.

It doesn't cover YOUR PROPERTY. It only covers OTHER people's property. You can't sue yourself, so you can't be liable for yourself.

Now, on the homeowners. MY homeowners policy has an exclusion, for any damage done to my house (or garage) by a household member, or damage done to my house, by a car owned by ME. So for ME, I'd be in the same boat - neither my auto nor my homeowners will pay for any damage I do to my own house.

My auto policy - and hers, for that matter - will pay for the damage to the car, subject to the deductible, if there is COLLISION coverage in place.

If you want to review her homeowners policy to see if she has similar wording, that's fine. I expect you'll find it, or her carrier wouldn't have declined. If you read the ENTIRE policy, and don't see that wording, get a copy of the declination in writing, and submit it with a complaint to your state insurance department.

But the bottom line is, she did the damage herself, to her property, with her car. There isn't anyone here to sue, she's FULLY responsible. Sorry.

Answer 2

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RE Is homeowners responsible or car insurance?

The brakes on my aunt's car went out and when she turned into her driveway she hit the house. SHe is fine both airbags came out, but now the home owners says they will not pay and the car insurance say they will not pay. They said if someone else had hit the house they would. Can anyone give me some insight to the iNSURANCE industry.

Answer 3

If she hit her own house with her own vehicle her homeowners policy should pay for the damage to the house less whatever deductible she carries. And her Auto insurance should pay for whatever damage is done to her car less whatever deductible she carries on her Auto insurance. If the deductibles are larger than the damage caused, she pays the whole freight.

Cases like this point out the fact that when possible, it's best to have the same carrier for home and auto.

Answer 4

Homeowner's insurance does cover "damage caused by vehicles". The homeowner's insurance should pay for the damage to the house. Did they say why they are not?

Homeowner's insurance does not pay for damage to the car. If she had collision coverage in her car insurance, it would pay for the damage to the car. If she had only liability insurance for, she is not covered for the damage to the car.

Car insurance would not apply to the damage to the house. The liability portion of a car insurance policy pays from damage that the car does to someone else's house, but not for damage that the car does to the owner's own house.

Answer 5

may depend on state law [use google to find]

the house may have a third party with a financial interest -- the mortgage company. in that case, the homeowner's insurance company, in some states, may be on the hook to the extent necessary to keep the mortgage company whole (of ocurse, mortgage company would get the check, too).

in other states, accidental damage your car does to anyone's non-auto property is covered up to the policy limits, including your own property, to cover exactly this situation. [hitting your own garage door isn't unknown or even very unlikely, after all] of course, would be subject to the damage limits purchased -- which might well not be enough

Answer 6

I would think the homeowner's insurance should pay for the house damage regardless of who hit the house. Car insurance should pay for auto damage if she carried collision coverage.

Answer 7

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Answer 8

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