Who Is Responsible For Damages If A Car Drives Through Your House?
Imagine you're minding your own business, and a car swerves off the street and into your house. It's natural to get confused, shocked, and terrified. Although it is an uncommon event, it can occur. It may also inflict considerable damage to both property and the occupants of the house.
Most people have never found an automobile in the center of their living room, so it's tough to know how to react in such an unexpected scenario. After determining that everyone is okay, you may begin to ponder who will pay for the repairs to your home.
Similar to a vehicle crash, the motorist who caused the collision will be held accountable for the damages. Your homeowner's insurance may cover losses over the other driver's policy limit, or you could file a lawsuit.
Why do cars crash into houses?
Cars sometimes collide with residences, land in pools, and destroy homeowners' gardens and mailboxes. Some of the reasons for these incidents are similar to car accidents:
- Tired drivers
- Medical emergencies and occurrences
- Defective vehicle components
- Unfavorable weather conditions
- Roadside hazards
- Inadequate road design
- Distracted driver
- Impaired or drunk driving
Insurance companies are infamous for underpaying settlement claims, and you may not obtain the amount needed to cover the losses unless you fight for it. You should talk with an attorney regardless of the reason for your crash to ensure that you receive fair compensation.
What should I do if a vehicle crashes into my house?
Here's what you should do right away following the crash:
- Call 911 if you see anything on fire. If it's safe, turn off the gas main at your house. Remove everyone from the house.
- Check to ensure that everybody is safe.
- Report the accident to the police and, if necessary, request assistance. Respond to their queries and remain on the scene.
- Obtain the driver's insurance details, contact information, license number, and the make and model of the vehicle.
- Take videos or photos of the scene of the accident and the damage caused to your property, and ask witnesses if they saw the accident. If possible, obtain their contact information.
- Consult with a lawyer to determine the best course of action.
- Take precautions to safeguard your house and, if necessary, hire a repair firm to securely board up the walls or damaged windows.
How does insurance cover a car that damages your house or property?
If an automobile causes damage to your home, either the motorist or the vehicle owner is usually accountable, providing they are at fault. However, different rules can apply in “No Fault Accident” states.
If the motorist's insurance coverage is insufficient to pay for damages, or if they are uninsured, you may be able to submit a claim under your homeowner insurance policy. However, before filing a claim, it's a good idea to receive a repair quotation from a certified specialist to confirm the extent of the damage exceeds your deductible.
If the driver is uninsured, who pays for the damage?
If a car hits your house and the motorist is uninsured, your home's insurance may pay for the damage; nevertheless, you may be liable for paying the deductible. You could sue the uninsured motorist, but even if you win, you may be saddled with legal expenses and receive no compensation for years.
Remember that if the repair expenses are less than your deductibles, your policy may not cover them. Check with your insurance company or agent to ensure that your coverage will cover the damage. You should also obtain a repair quote from a skilled specialist to ensure that the repair cost does not exceed your deductible. If the repair expense exceeds your deductible, filing an insurance claim is usually worthwhile.
What are the chances that a car crashes into your home?
If your house is located away from the street, the chances of someone colliding with it are low. The risk, though, increases considerably if you reside near a busy road or on a steep bend. A distracted driver, inclement weather, and a variety of other variables can all contribute to a car losing control and hitting your property. The most probable situation is that your fence or mailbox will be damaged.
Even if the damage to your home appears minor, make sure to photograph it properly. If the damages are severe, the settlement amount may be required to pay for more than simply repairs.
What if I caused the damage?
If you are the at-fault driver, whether it was by knocking over the mailbox or reversing into the garage door, your vehicle insurance will most likely not cover it, and you may be accountable for the out-of-pocket costs. If the property damage exceeds your deductible, filing a claim with your home's insurance may be worthwhile. Confirm with your insurance or broker that your coverage will pay for the damages.
Find Out What Your Legal Options Are If a Car Hits Your Property
If your home was destroyed in an automobile accident, you have the lawful right to seek compensation for all your losses. A vehicle accident lawyer will explain your legal choices and assist you in understanding your rights.