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What Happens If Someone Drives into Your House

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As unusual as it seems, you can get into a car crash when you’re not behind the wheel of a car – and even when you’re nowhere near the road! If someone drives into your home or business, you may be wondering what happens next, especially if anyone was injured in the accident.

Every day, approximately 60 people crash into structures in the United States. Drivers may mistake the gas pedal for the brake pedal and accelerate forward into a building or be thrown into someone’s home or business by another collision. Drunk driving and distracted driving can also cause structure crashes.

No matter what happens, the at-fault driver will be liable for any injuries or property damage that occur as a result of the accident. If someone drives into your home, you should file a claim against their insurance company. Once you max out the limits on the at-fault driver’s insurance policy, you may be able to use your business insurance or homeowner’s insurance to cover the rest of the damage.

What If I Crash into My Own House?

If you drive through the garage door or somehow crash into your own house, the rules may be a little different. You will still make a claim against your auto insurance policy, but the damage to your vehicle will not be covered by liability insurance because you are at fault for the accident. If you have collision and comprehensive coverage, your auto insurer might pay for the damage to your car, but you will probably need to contact your homeowner’s insurance company for the rest of the damages.

This could mean paying 2 deductibles and dealing with 2 insurance companies that likely won’t want to pay for the damage.

Dealing with Insurance Companies

Dealing with insurance companies can be a pain even in the most black and white accidents. If you need help recovering compensation from another driver’s insurance company or your own insurance companies, look no further than Douglas, Leonard & Garvey, P.C.

We can examine your accident to find out exactly what went wrong – maybe a parking lot near your home or business was not built properly or the driver could no longer drive safely due to aging. Even if you ran into your garage door, we can take a second look at your insurance policies and help you hold insurers to the terms of your agreement.

Our car accident lawyers can handle all kinds of collisions, and we have helped our clients move forward from crashes for more than 20 years. We can help you, too.

All you need to do is call us at (603) 288-1403 or contact us online for a free consultation.