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

Hadrian

I hit my car into my house wall....AAAARGHH
"The impact it self was at a low speed, however it has done extensive damage to my property." ????????

Quentin

Thing is, they don't build walls now like you used to.

darich

Hadrian wrote: »

I hit my car into my house wall....AAAARGHH
"The impact it self was at a low speed, however it has done extensive damage to my property." ????????

Hadrian should know more about walls than most!!

Dangermac

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.

Complete 'bill hooks' Anihilator. Would suggest that you only post on matters that you have some degree of knowledge in.

The home insurer will assess if there is any prospect of subrogation. On the basis that the driver also owns the home, clearly there would be no prospect of recovery. Only an idiot claims processor would try to pursue this route.

It sounds to me, Anihilator, that you have read the occasional CII book at some point in the past, and think that you are some kind of expert.

Dangermac

RobertoMoir

Dangermac wrote: »

Complete 'bill hooks' Anihilator. Would suggest that you only post on matters that you have some degree of knowledge in.

The home insurer will assess if there is any prospect of subrogation. On the basis that the driver also owns the home, clearly there would be no prospect of recovery. Only an idiot claims processor would try to pursue this route.

It sounds to me, Anihilator, that you have read the occasional CII book at some point in the past, and think that you are some kind of expert.

Dangermac

He does have a point in one area though, if only by accident. You're supposed to notify your car insurer of all incidents and accidents whether you claim or not, right? It might be wise to notify them in case there is an issue that pops up, either through the building insurer contacting them for some contrived reason or the car turning out to have damage that was initially hidden.

Dangermac

RobertoMoir wrote: »

He does have a point in one area though, if only by accident. You're supposed to notify your car insurer of all incidents and accidents whether you claim or not, right? It might be wise to notify them in case there is an issue that pops up, either through the building insurer contacting them for some contrived reason or the car turning out to have damage that was initially hidden.

Dont disagree with you, but I cant see many insurers getting 'funny' over this type of incident/delay because:

- It's only 2 weeks
- It's unlikely to have prejudced their positions
- Policyholder has a valid reason for delay

If it was 2 months, the point is getting stretched a bit, but I have never ever seen a problem following a 2 week delay

Sally_A

Tend to agree with Anihilator, home insurers will look to the cause of the damage. On some policies impact is only covered if by Third Party Vehicle, ie not your own (so you would have no option but to claim as a car accident, as the damage to a wall would probably far exceed your no claim bonus discount). I wouldn't place odds on this NOT going against the car insurers, as the proximate cause is vehicle impact, and I'm thinking RTA law will take precedence.

dacouch

Sally_A wrote: »

Tend to agree with Anihilator, home insurers will look to the cause of the damage. On some policies impact is only covered if by Third Party Vehicle, ie not your own (so you would have no option but to claim as a car accident, as the damage to a wall would probably far exceed your no claim bonus discount). I wouldn't place odds on this NOT going against the car insurers, as the proximate cause is vehicle impact, and I'm thinking RTA law will take precedence.

Which bit of RTA law or a motor policy will cover damaging your own property?

raskazz

Sally_A wrote: »

I wouldn't place odds on this NOT going against the car insurers, as the proximate cause is vehicle impact, and I'm thinking RTA law will take precedence.

:wall::wall::wall::wall::wall:

Dangermac

Sally_A wrote: »

Tend to agree with Anihilator, home insurers will look to the cause of the damage. On some policies impact is only covered if by Third Party Vehicle, ie not your own (so you would have no option but to claim as a car accident, as the damage to a wall would probably far exceed your no claim bonus discount). I wouldn't place odds on this NOT going against the car insurers, as the proximate cause is vehicle impact, and I'm thinking RTA law will take precedence.

Sally, would suggest that you enrol in a literacy class at your nearest colleage (reading module would be good).

How on earth will this claim end up on the guy's car insurance when he caused the damage?

Car Insurance covers Own Damage + 3rd Parrty Damage. There was no 3rd party involved.

Suggest you refrain from posting on such issues until you have reasonable amount of knowledge (or can read - i.e the previous posts, which clearly explains the situation)