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Auto Insurance Claims/insurance claim or homeowners claim

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Expert: - 11/20/2009


Question
I was driving into the area where I park my vehicle. It is in my neighbors yard. As I was entering, the metal gate started to swing back. I jumped out to catch it without putting the car in park. The car went into the side wall.
My car sustained damage to the drivers side quarter panel.
Should I make a claim with my insurance company or try to go through the neighbors insurance. I pay my neighbor monthly to park in their yard.  

Answer
Hi Linda,

Based on your explanation, this would be considered your fault. You would make a claim on your auto insurance since the damage occued as a result of the operation of your car. Your auto insurance will pay for the damage to your car (less your collision deductible) as well as any damage to your neighbors house and/or gate.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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