Who takes care of the damages? The driver’s insurance company? But what about your homeowner’s policy? There are a lot of insurance companies involved, and most of the time getting them all to agree on who pays what is a nightmare.
It sounds random or perhaps even absurd, but motor vehicles wrecking into homes is more common than most people realize.
In fact, a house in Austin Texas is oddly attracted to getting hit by cars. It’s been crashed in a whopping total of 6 times! Interestingly enough though, motor vehicles hitting homes accounts for 5% off all home insurance claims.
So while it’s not as common as a fender bender, it’s still very important to understand the legal aspects of the situation should you ever find yourself in these unfortunate circumstances.
There’s a sense of urgency here because as with any motor and while you have the operator on the phone, the very first thing that you should do is call the police to help you document the incident. Don’t fixate yourself on having the cop determine who’s at fault because it’s more important that the officer documents the accident accurately than anything else. These documents can be used later if a car hit a house and checked by your Austin car accident lawyer and insurance.
Insurance companies, even yours, may try to lowball the value of your property and the entire estimate of the damages. An experienced Austin car accident lawyer will ensure that this doesn’t happen, especially if it goes to court. You do not want to waste time at court and fight for an amount that will not cover your damages.
The party who is found at fault will be held liable for any damage caused by the incident. If a car was to crash on your property, then he/she will be held accountable for the damage. But what if the driver’s insurance has a coverage limit?
Well, in that case, let’s say the coverage limit is $20,000. If the damages of your property are under this amount, then your home is completely covered. If his/her insurance has a cap of $20,000, but the damage to your home is worth $50,000 then there are other forms of making sure your house damage is covered.
You might still be in luck. When was the last time you read your homeowner’s policy coverage? You might be surprised to find that within the fine print of your contract the words “vehicle” could be listed under causes of damage!
As long as you were not the cause of the accident, it is possible that your homeowner’s policy could cover the rest of the pending damage, if not all of it!
A good lawyer will not only take the individual to court for damages to your home but also any costs that you incurred as a result of the accident such as you having to stay in a hotel while your home is being repaired or having to order out more often.
If you ever find yourself in this type of scenario, call Terry & Kelly PLLC. We are experienced in recovering damages for our clients.
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