I hit my car into my house wall....AAAARGHH

Dreamplayer

OK, guys this is my first post.

I hope you can help with an insurance related problem.

Two weeks earlier I was due to fly out to Asia on business. A couple of hours prior to my flight as I arrived home, my car slipped forward on my driveway and hit the wall beneath the kitchen window.

The impact it self was at a low speed, however it has done extensive damage to my property.

My car however, is untouched, unbeliveably.

Now, as I was due to fly out that day I did not have the time to contact anyone, and I just picked up my luggage and went to the airport.

I arrived back yesterday and jet lag has worn off and I can see the reality of what happened...

My question is, do I make a contact my buildings insurance provider or car insurance?

Which is the best way to proceed with this?

Many thanks for your input and advice

raskazz

Contact your buildings insurer for damage to the building and your car insurer for any damage to the car. Its worth checking the car out as well as there may be hidden damage - i.e. the internal fabric of the bumper could be shot.

PNPSUKNET

were you trying to make a drive thru?

Anihilator

How on earth can a low speed accident do significant damage?
Are you sure you werent already aware of uninsured damage?

As for the claim. They may be fussy if you didnt report it for a few weeks and there is structural damage etc.

You need to tell both your insurers as your home insurer will likely try and reimburse off the car insurer and if you havent told them it may cause complications.

mattymoo

Anihilator wrote: »

You need to tell both your insurers as your home insurer will likely try and reimburse off the car insurer and if you havent told them it may cause complications.

It is doubtful they can do this since the matter would be Dreamplayer vs Dreamplayer - you cannot sue yourself in an English court and so the insurers cannot either under subrogated rights.

Anihilator

mattymoo wrote: »

It is doubtful they can do this since the matter would be Dreamplayer vs Dreamplayer - you cannot sue yourself in an English court and so the insurers cannot either under subrogated rights.

Maybe not in court but if there different insurers the home insurer will almost certainly try and get the car insurer to pay out some of the cost and if the OP doesnt tell the insurer of the accident he could be in trouble.

dacouch

Anihilator wrote: »

Maybe not in court but if there different insurers the home insurer will almost certainly try and get the car insurer to pay out some of the cost and if the OP doesnt tell the insurer of the accident he could be in trouble.

Under which section of the motor policy do you propose the home insurer will ask the motor insurer to pay out...the "First Party Section"?

Granted the OP may have to declare the incident to his own Insurer at renewal as an "Incident" or "Loss" and if he changes Insurers if they ask for incidents or losses depending on how they word the question

raskazz

Anihilator wrote: »

Maybe not in court but if there different insurers the home insurer will almost certainly try and get the car insurer to pay out some of the cost

They could try but the car insurer would tell them where to go.

Jessica33

Very strange one, let us know what happens.. I would go for the car insurance dealing, as you were in the car at the time,

dacouch

Jessica33 wrote: »

Very strange one, let us know what happens.. I would go for the car insurance dealing, as you were in the car at the time,

This is not an unusual claim at all, people often hit their houses (Mostly their garage doors). The car Insurer will not deal with the claim as has been pointd out before by other posters the car insurance covers damage / loss to the car and damage to OTHER PEOPLES property / other people. It does not cover damage to your own property.

raskazz

Jessica33 wrote: »

Very strange one, let us know what happens.. I would go for the car insurance dealing, as you were in the car at the time,

Myself, I would bet my house on the car insurer not getting involved in the damage to the OP's house because:

1) Contractually, the liability section of the motor policy excludes damage to any property which is owned by or in the custody or control of anyone claiming under the policy.

2) In law, as mattymoo pointed out, you cannot sue yourself. As such, the buildings insurer cannot recover any costs from the motor insurer.