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Car Crashed into my Property
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Yes it is. If a vehicle smashes into a house, of COURSE the insurance company responsible for the house insurance will need to get involved.
The Home Insurer do not need to be involved.
What would happen if the Home Owner had no Home Insurance or they held Home Insurance but the excess is larger than the amount of the claim?
As the OP has just posted, the vehicle Insurers are now dealing with his claim which is QED0 -
You have no contract with the drivers insurance.
You did not cause the damage so why make a claim on your insurance.
Here is what to do :
Obtain quotes for the damage and invoice the driver directly.
Let him worry about his insurance company.
Follow up with letter before action and then with a CCJ claim.
Then they will pay.I do Contracts, all day every day.0 -
The Home Insurer do not need to be involved.
What would happen if the Home Owner had no Home Insurance or they held Home Insurance but the excess is larger than the amount of the claim?
As the OP has just posted, the vehicle Insurers are now dealing with his claim which is QED
There is damage to the house. Whether the OP goes through the driver's insurance company, and the driver's insurance company contacts the OP's insurance company....., or whether the OP contacts his insurance company himself; the OP's insurance company will probably end up being involved.
The driver's insurance company will almost certainly get in touch with the OP's insurance company to find out what cover the OP has. Because if he has accidental damage/ damage from a third party on it, the driver's insurance company aren't going to cough up are they? Not when the OP's insurance policy will cover it/pay it?
And as for saying 'what would happen if they didn't have home insurance?' That is is a moot point, because they DO. You may as well say 'what if the CAR driver doesn't have insurance?' It works both ways.Proud to have lost over 3 stone (45 pounds,) in the past year! :j Now a size 14!
You're not singing anymore........ You're not singing any-more!
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edmund_blackadder wrote: »Thanks for all the responses so far.
The car driver has now emailed me (and fortunately he seems very reasonable) and has said that he has been in contact with the insurers (rather than the brokers name he gave me) and has provided me with the correct contact details and policy number.
He will be making a claim against his own car insurance anyway and apparently his insurance company will be expecting my call to claim for the damage to my fence and garden.
I'll give them a call tomorrow and see how I get on. If they try and give me the run around, I'll just go through my house insurance and pass all the details on to them to get them to chase the car insurance company.
This approach helps to cut down on the costs of insurance policies - if you get your insurers involved, they would add their inflated costs onto the bill - some one, somewhere has to pay them - generally the insurance paying public as a whole.
Whenever I have had insurance claims (when there is a 3rd party fault) their insurance have bent over backwards to help and to keep my own insurers out of the equation (except for any obvious notifications in the T&C's).0 -
well you see gov I was driving down the road when this fence jumped out in front of me, so we need the householders insurance details
About as accurate as half the posts on this thread!Mr Generous - Landlord for more than 10 years. Generous? - Possibly but sarcastic more likely.0 -
This approach helps to cut down on the costs of insurance policies - if you get your insurers involved, they would add their inflated costs onto the bill - some one, somewhere has to pay them - generally the insurance paying public as a whole.
Whenever I have had insurance claims (when there is a 3rd party fault) their insurance have bent over backwards to help and to keep my own insurers out of the equation (except for any obvious notifications in the T&C's).
It would most probably be cheaper for the third party Insurer if the OP claimed from his own Insurers. This is because most Insurers have a network of approved contractors who offer the Insurer massively discounted rates and they sometimes cut corners.
The approach Quentin and I have recommended would probably end up costing the third party Insurer a little more as the OP is likely to use a local builder. They tend to want to do the job properly, taking the time to match the fencing and posts etc along with pointing out any fencing that does not look to be damaged but had hidden damage.
I always use this approach eg dealing directly with the third party when dealing with a vehicle hitting a garden wall etc. The homeowner gets the job done properly and can select a tradesman they are happy with.
Edmund, don't forget that any damage to your landscaping eg plants and lawn etc is something you can also claim for.0 -
There is damage to the house. Whether the OP goes through the driver's insurance company, and the driver's insurance company contacts the OP's insurance company....., or whether the OP contacts his insurance company himself; the OP's insurance company will probably end up being involved.
The driver's insurance company will almost certainly get in touch with the OP's insurance company to find out what cover the OP has. Because if he has accidental damage/ damage from a third party on it, the driver's insurance company aren't going to cough up are they? Not when the OP's insurance policy will cover it/pay it?
And as for saying 'what would happen if they didn't have home insurance?' That is is a moot point, because they DO. You may as well say 'what if the CAR driver doesn't have insurance?' It works both ways.
1) There is no reason for the third parties Insurers to contact the OP's Home Insurers.
2) Why would the TP Insurers contact the OP's Insurers to find out what cover Edmund has when the TPI is going to pay the claim in full. It's pointless for them to add a extra layer of admin to the claim by getting the Home Insurers to pay the claim and then claim it back from them (The TPI).
3) All Home Insurance policies have "Accidental damage/ damage from a third party".
Impact Damage is a standard part of a Home Insurance.
4) The OP holding Home Insurance is entirely irrelvant to the TPI, if he wants to claim from his Home Insurance he can, as an innocent party he can also chose to claim from the TPI as well.
It's his choice, it's not the choice of the Third Parties Insurers0 -
Despite arguments to the contrary, and personal insults from certain people on here - posts 15 and 17, from JP1978 and Mrgenerous (which is classic behaviour from someone losing an argument; ) in most cases, your insurance company would have to be informed if someone crashed into your house/property!
https://www.thebalance.com/claims-on-your-insurance-527120
Basically, if it's something small like a fence or garden wall, then yes, the homeowners insurance company need not necessarily have to get involved, but what if there is £20K worth of damage done, and the driver's insurance policy only covers £10K worth? Then the homeowner's insurance company WILL HAVE TO GET INVOLVED.
It's not that hard to comprehend!Proud to have lost over 3 stone (45 pounds,) in the past year! :j Now a size 14!
You're not singing anymore........ You're not singing any-more!0 -
Basically, if it's something small like a fence or garden wall, then yes, the homeowners insurance company need not necessarily have to get involved, but what if there is £20K worth of damage done, and the driver's insurance policy only covers £10K worth? Then the homeowner's insurance company WILL HAVE TO GET INVOLVED.
It's not that hard to comprehend!
Or the injured party could claim directly from the driver. It is of no concern how the driver covers the cost. Remember that even if the home insurer pays out they will, where practical look to recover this from the driver (normally from his insurer but if for any reason he wasn't covered they could claim from him directly)
There is absolutely no obligation to involve the home insurer. Although if you don't it makes holding insurance slightly pointless!0 -
Despite arguments to the contrary, and personal insults from certain people on here - posts 15 and 17, from JP1978 and Mrgenerous (which is classic behaviour from someone losing an argument; ) in most cases, your insurance company would have to be informed if someone crashed into your house/property!
https://www.thebalance.com/claims-on-your-insurance-527120
Basically, if it's something small like a fence or garden wall, then yes, the homeowners insurance company need not necessarily have to get involved, but what if there is £20K worth of damage done, and the driver's insurance policy only covers £10K worth? Then the homeowner's insurance company WILL HAVE TO GET INVOLVED.
It's not that hard to comprehend!
That link give's us excellent advice...
If the OP's home was in America!0
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