Which insurance company should I contact? The ins co. for car 1? The ins co. for car 2? Details below...?
My home was struck by car 2 and the house was damaged. This is how the accident occurred according to the police report. Car 1 ran a stop sign and hit car 2. Car 2's driver was stunned, lost control of car 2 and hit the house. Car 1's driver admitted fault and the police ticketed him. But car 2 actually hit the house. Car 1 did not make contact with the house. So whose insurance company should I contact.
- Obi Wan KnievelLv 71 month ago
Call your home insurance company. Two reasons...
1) The contract you signed with your home insurance says you agree to let them know right away if your house is damaged. It's in the contract, and you do not want to violate a contract with an insurance company.
2) This is your first time dealing with this, but they deal with it all the time. They'll get your house repaired, and they'll know which vehicle owner to go after in court.
- 1 month ago
file against the responsible party's insurance.
- Anonymous1 month ago
Your Home Owner's Insurance will figure it out. That is what you pay them for.
- PoppyLv 71 month ago
In my book, you contact your home owners insurance and relay the insurance information for both cars. Let them figure out who is paying what. It will be the cars not the home owners that pay.
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- TedExLv 71 month ago
Both. Although your home insurance is not liable., they will help you if you have any problems
- JetDocLv 71 month ago
Contact your homeowner's insurance and let them sort it out.
- ALv 71 month ago
First report this to your own homeowners insurance company, give them copies of police reports, pictures, etc, they might pay the damage and sue the driver, or tell you to file with car #2, let that insurance company either pay you and sue ins for car #1, or tell you to sue Car #1
- BortLv 61 month ago
Car 2's insurance to report your damage. You also need to contact your home owners insurance. If you're renting you need to contact your landlord if you havne't already because if you're renting renters insurance doesn't cover damage to the building it self it only covers your personal property like your furnture and personal appliances. The house isn't your property it's your landlords if you're renting. The landlords insurance and car 2's insurance need to cooperate to have any repairs done.
- Anonymous1 month ago
You contact your insurance company. (You do have house insurance don't you?) They will take care of who and how to contact all parties for you. After all that is what you pay them for.
- DavidLv 71 month ago
Contact yours. Let them sort it out for you and file against the responsible party's insurance.