fbpx

What Happens If a Driver Crashes Into Your House?

By Scott Huntington , Guest Writer •  Insurance CompaniesSAFETYTips

We usually worry about another driver crashing into us on the road or in a parking lot, but what happens if a driver crashes into your house? Let’s take a closer look at this less frequent, but still stressful, type of car accident.

First, Check for Injuries and Call 911

Having a car crash into your house is terrifying, especially if you’re just sitting in the living room minding your own business when a Toyota comes crashing through the wall like a demented Kool-Aid man. Your first order of business should be to check for injuries — both in your home and in the car. Make sure everyone is OK, and if there are any signs of injuries, don’t move the injured party.

While you’re doing that, call 911 and let them know you need first responders because someone just crashed a car into your house. The dispatcher will send police and EMTs as necessary.

Next, Collect Information

This part is just like any other car accident. It’s time to start collecting names, contact information and insurance. Instead of calling your car insurance company, though, you need to put in a call to your homeowner’s insurance. Just make them aware there are damages and that you will need an adjuster to come out to your home to assess them. They likely won’t take any steps until you’ve received the police report, but it’s good to get the ball rolling in the meantime.

What Happens If the Driver Is Insured?

Whether the driver is insured or not, they will be liable for any damages caused to your property. That’s a given — but what’s not guaranteed is how much their insurance will pay out for those damages.

Auto insurance policies have a property damage clause. This amount is what will pay for the damages to your home — but only up to a point. That point is whatever amount is listed on the driver’s insurance policy under that clause. Even if the insurance company pays out $20,000, as listed in the insurance policy, they are under no obligation to pay out any more than that, even if their driver was at fault for the accident. You could still end up having to pay for the rest of the damage to your home.

What Happens If the Driver Is Uninsured?

If the driver who crashed into your home has no insurance, you could be on the hook for a lot more than just the balance after the insurance payout. Most homeowners’ insurance policies have a clause that covers a car crashing into your house — it’s listed as a “covered peril” — but you’ll still be responsible for the homeowner’s insurance deductible. Depending on your policy, making a claim can be expensive, so it’s important to read the fine print, ideally before someone decides to give your house a drive-through, so you’re aware of what is covered and what isn’t.

You can always try to sue the uninsured driver, but then you risk ending up with court costs and no guarantee they will be able to pay anyway, so that’s something you should talk to a lawyer about to ensure it’s the best course of action.

Fixing the Damage

You’ll want to get the damage replaced as soon as possible. Depending on where the damage was, you may need to find a different place to stay for a few days. If the walls and foundation are damaged, make sure you stay out until it’s fixed. Even if they crashed into your garage, the broken door could be a major safety issue. Your insurance should cover the repairs, but you can expect it to be a few days before everything is back to normal.

A driver crashing into your house is never a walk in the park, but if you stay calm and follow the steps above, you won’t need to worry.

Scott Huntington is an automotive writer from central Pennsylvania. Check out his work at Off The Throttle or follow him on Twitter@SMHuntington

Source: https://www.motorists.org/blog/happens-driver-crashes-house/

Author: qceditor

Share This Post On

79 Comments

  1. Undeniably believe that which you stated. Your favorite justification seemed to be on the net the simplest thing to be
    aware of. I say to you, I definitely get irked while people
    consider worries that they just do not know about. You managed to hit the nail upon the top and defined out the whole thing without
    having side effect , people could take a signal. Will likely be back to get more.
    Thanks http://antiibioticsland.com/Tetracycline.htm

    Post a Reply
  2. Undeniably believe that which you stated. Your favorite justification seemed to be on the net the simplest thing to be aware of.
    I say to you, I definitely get irked while people
    consider worries that they just do not know about.
    You managed to hit the nail upon the top and defined
    out the whole thing without having side effect , people could take a signal.
    Will likely be back to get more. Thanks http://antiibioticsland.com/Tetracycline.htm

    Post a Reply
  3. Hi would you mind sharing which blog platform you’re working with?
    I’m looking to start my own blog in the near future but I’m having a tough time deciding between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your layout seems different then most blogs and
    I’m looking for something completely unique.
    P.S My apologies for getting off-topic but I had to ask! https://cialis.advantagetriseal.com/tadalafil

    Post a Reply
  4. Hi would you mind sharing which blog platform you’re working with?
    I’m looking to start my own blog in the near future but I’m
    having a tough time deciding between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your layout seems different then most blogs and I’m
    looking for something completely unique. P.S
    My apologies for getting off-topic but I had to ask! https://cialis.advantagetriseal.com/tadalafil

    Post a Reply
  5. You carry an unique talent. Your publishing capabilities are simply effective. Many thanks for writing material online and enlightening your readers. paturnpiketollbyplate

    Post a Reply
  6. My brother suggested I might like this blog. He was entirely right. This post truly made my day. You can not imagine simply how much time I had spent for this info! Thanks!

    Post a Reply
  7. Heya im for the first time here. I came across this board and I find It really useful & it helped me out much. I hope to give something back and aid others like you aided me.

    Post a Reply
  8. you may have an excellent weblog right here! would you like to make some invite posts on my blog?

    Post a Reply
  9. Hello there! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good gains. If you know of any please share. Many thanks!

    Post a Reply
  10. Incredible! This blog looks exactly like my old one! It’s on a entirely different topic but it has pretty much the same page layout and design. Superb choice of colors!

    Post a Reply
  11. Admiring the commitment you put into your site and detailed information you provide. It’s awesome to come across a blog every once in a while that isn’t the same old rehashed information. Great read! I’ve saved your site and I’m adding your RSS feeds to my Google account.

    Post a Reply
  12. My spouse and I stumbled over here from a different website and thought I might check things out. I like what I see so i am just following you. Look forward to exploring your web page for a second time.

    Post a Reply
  13. Very interesting details you have mentioned, appreciate it for putting up. “Nothing ever goes away.” by Barry Commoner.

    Post a Reply
  14. Do you mind if I quote a few of your posts as long as I provide credit and sources back to your webpage? My blog site is in the very same area of interest as yours and my visitors would truly benefit from a lot of the information you present here. Please let me know if this okay with you. Thanks a lot!

    Post a Reply
  15. I know this if off topic but I’m looking into starting my own weblog and was wondering what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100 positive. Any recommendations or advice would be greatly appreciated. Appreciate it

    Post a Reply
  16. Sunday Million to największy dostępny online cotygodniowy turniej pokerowy z pulą wynoszącą 1 000 000 $! Ale od początku. W lipcu 2016 roku lider rynku pokera online ogłosił, że wycofuje się ze Słowenii (podobnie zrobił siostrzany Full Tilt Poker). Decyzja była nagła, a zawodnicy zostali powiadomieni drogą mailową. W przesłanych im wiadomościach można było przeczytać, że firma regularnie dokonuje przeglądu sytuacji prawnej i biznesowej, oceniając ryzyko działalności w danym kraju. Po najnowszym przeglądzie menadżerowie podjęli decyzję, że PokerStars i FTP nie będą oferować mieszkańcom Słowenii gier na prawdziwe pieniądze. Zawodnicy mogli bez problemu wypłacić swoje pieniądze. Kilkanaście dni wcześniej PS wycofało się z Izraela. Trekking w Polsce to przede wszystkim wędrówki w górach. Gdzie warto wybrać się na trekking? Co ze sobą zabrać? Podpowiadamy, co może się przydać podczas… https://webwoolf.com/arda/community/profile/gildahill958072/ Dostaniesz od nas SMS-a z hasłem do logowania. Loginem jest Twój numer telefonu. Chcesz zagrać w kasynie online o prawdziwą kasę, ale nie masz jeszcze portmonetki elektronicznej lub nie chcesz udostępniać karty? Wypróbuj kasyno za SMS, czyli metodę płatności, która pozwoli ci na dokonanie płatności za pomocą salda telefonu. Wystarczy zarejestrować się w jednym z kasyno online płatność sms i wysłać wiadomość tekstową na podany numer telefonu, a na twoje konto zostanie zasilona kwota zależna od wartości wiadomości premium. Bonus Bez Depozytu 20 FS Serwisy Apple – płać wygodnie i bezpiecznie za aplikacje, gry, filmy, muzykę i książki Wyślij teraz wiadomość, uważnie przepisując podaną treść. Jeśli zrobiłeś to poprawnie, otrzymasz SMS zwrotny, że pieniądze zostały dodane do twojego konta. Twoje saldo w kasynie powinno automatycznie zwiększyć się o wybraną kwotę.

    Post a Reply

Trackbacks/Pingbacks

  1. non prescription cialis - non prescription cialis blog topic

Submit a Comment

Your email address will not be published.

Call Now Button