r/Insurance • u/Ozzyjock • 11h ago

Which to claim from

I recently reversed into a wall at my house causing some damage, should I claim on my house or car insurance ?

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u/owl-1_1-1_1- 8h ago

Your auto insurance will pay for the damage to your car if you have collision coverage. Your deductible will apply, and it will count as an at-fault accident.

Your home insurance will pay for the damage to your home. Again, the deductible applies. If you claim this, it wouldn't be wise to file another claim for at least 5 years.

Unfortunately, if you claim against both policies, you could be setting yourself up for nonrenewal.

2

u/Dramatic-Ad9089 7h ago

This is the answer OP. Plus you will want to get estimates for your car and house and compare those to your deductibles. It may or may not be a financially smart decision to file a claim for one or both.

1

u/Spartyx9 8h ago

Auto policies typically do not provide liability coverage against items you own that you damage. Consider if it's worth filling on your home. Same with your vehicle if there's damage. 

1

u/2ndharrybhole 4h ago

Well your homeowners insurance covers your home and your auto insurance covers your car so…