Car Crashed into my Property

Mr.Generous

The Uk legal minimum motor insurance cover for third party claims is £500,000. Most policies exceed this. This should cover damage to a fence and garden. You do not have to let the driver or his/her insurance company deal with your house insurance. I would do exactly what you are doing, get quotes and submit to motorist or if he prefers his insurer.

rs65

Lily-Rose wrote: »

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!

Lily-Rose, I don't know where your insurance knowledge comes from but you are completely wrong in almost everything you have said in this thread. You are not helping the OP.

zaax

Some house insurances do not cover damage to gardens.

TheBanker

Lily-Rose wrote: »

https://www.thebalance.com/claims-on-your-insurance-527120

You do know that's an American website and last time I checked, US law did not apply to UK insurance claims.

benten69

Unfortunately it does seem like they have told you the correct thing. A few years ago the roof tile from my house flew off in high winds and hit the neighbours car. I called my home insurance, told them what happened, they said "no problem, we'll fix the roof, but your neighbour has to claim from their car insurance who will then come to us".

I was pretty surprised as it was me who advised my insurance, but they just refused to deal with the neighbours car without their insurers getting involved.

I even got my insurers to send me a letter to that effect so I could show the neighbours it wasn't just me being awkward, but it's what they insurers said had to be done.

All got sorted in the end, but just added hassle for no reason.

Lily-Rose_3

TheBanker wrote: »

You do know that's an American website and last time I checked, US law did not apply to UK insurance claims.

Makes no odds. It still applies here. The OP's insurance company will still need to be informed about what has happened... not least because the driver's insurance company will more than likely inform them. I have known a few cases where someone has had someone break something, or bump into them (on the road for example,) and even though it was the other person's fault, they still had to contact their insurance company... They need to tell them, to let them know what has happened, and that the other insurance company may get in touch. And yes, there's a possibility that they will have to claim themselves on their own insurance, even though what happened wasn't their fault. (as with the poster above...)

benten69 wrote: »

Unfortunately it does seem like they have told you the correct thing. A few years ago the roof tile from my house flew off in high winds and hit the neighbours car. I called my home insurance, told them what happened, they said "no problem, we'll fix the roof, but your neighbour has to claim from their car insurance who will then come to us".

I was pretty surprised as it was me who advised my insurance, but they just refused to deal with the neighbours car without their insurers getting involved.

I even got my insurers to send me a letter to that effect so I could show the neighbours it wasn't just me being awkward, but it's what they insurers said had to be done.

All got sorted in the end, but just added hassle for no reason.

Thank you benten.

I am sick of seeing comments like 'you're talking drivel' 'you're giving the wrong info' 'you're not helping the OP yada yada' aimed at me by people who think they know it all when they clearly don't! In most cases, even if it WAS someone else's fault, your insurance company still need to know what's happened, as the other person's insurance company will probably contact yours.

The OP can just go through the other guy's insurance company and not let his company know if he wants, but I am willing to bet that the lorry driver's insurance company WILL let the OP's insurance company know, and may even ask him to claim on his insurance.

Now kindly quit the 'you don't know jack!' comments that are being aimed at me please! Each situation and each insurance company is different, and what I am saying is NOT wrong! In many cases, the 2 insurance companies involved will need to communicate with one another.

dacouch

Your situation with the roof tile is different than a car hitting a fence.

Very very basically, a car hitting a fence is a cut and dried case of there being liability with the car driver.

A roof tile being blown off a roof is not cut and dried, just because a tile blows off your roof does not mean you are liable for the damage it does.

This is why your Home Insurers directed the neighboor to his own vehicle Insurers so he could claim for the damage and then his own Insurers could try and claim from your Home Insurance if they could prove the damage to his car was due to your negligence

rs65

Lily-Rose wrote: »

Now kindly quit the 'you don't know jack!' comments that are being aimed at me please! Each situation and each insurance company is different, and what I am saying is NOT wrong! In many cases, the 2 insurance companies involved will need to communicate with one another.

Whether the OPs insurers need to know depends entirely on the terms of their policy.

The OPs insurers do not need to be involved and the two insurers do not need to communicate with each other. The OP can notify them for information only if their policy requires notification but the OP can deal directly with the car insurers.

'Each situation' is irrelevant here. My comments, and those of others here, are relevant to the OP. Anecdotes of situations others have been involved in, or have heard of, have no bearing here.

Lily-Rose_3

Aretnap wrote: »

On a slightly pedantic point the legal minimum third party cover is actually £1 million for property damage - and cover for personal injury has to be unlimited.

http://www.legislation.gov.uk/ukpga/1988/52/section/145

So no UK car insurer will offer less than £1M of cover for third party property damage - and in fact most of them offer a lot more.

To the OP - sorry that this thread has degenerated, but you should ignore Lily-Rose. The fact that sh seems to think that it's possible for a UK car insurance policy to cover only £10K of damage to other people's property itself shows that she doesn't have in depth knowledge of the subject.

How incredibly rude. Why single me out? Because I won't be talked down to?! :rotfl:

I was just giving that amount (£10K) as an example. But of course you probably knew that and chose to ignore it in your quest to try to ridicule me and put me down.

I am NOT wrong in this matter, and your personal attacks and the ones from several others on here say a lot more about you lot!

I'm done on here, so keep making spiteful comments about me, and issuing put-downs; I really couldn't care less. Doesn't change the fact that what I have been saying is not wrong. I'm just done on here because I refuse to be baited by the likes of you.

tatty toodles! :wave:

Marktheshark

Popcorn time !