Garage Door Damaged by Auto Crash

[superfly33]

Yes, the woman whose car did the damage is a close friend. We don't want to collect from her, but we would like to collect a reasonable amount from her insurance agency.

You can call in the claim to her insurance company and therefore will be collecting from the insurance company. However they would raise your friends rates on her auto policy, so essentially you're collecting from her. Insurance Companies don't like people thinking they're ATMs.

 

[djs]

. . . and her car brakes failed

Sorry, but this always makes me chuckle. As a P&C guy, I hear this a lot. Face it, more than likely, it was a simple 'oops'. No big deal. As long as nobody is hurt, everything else is fixable.

For the most part, claims follow a very orderly process on who pays for what. This is straightforward, not something that is really open for debate either.

If you could file the claim against your homeowners, you would be responsible to cover your home deductible (probably more than the repairs) and if the carrier paid, you're homeowners rates will go up. If the carrier subrogates back to the auto company (and they would), then you would get reimbursed for your deductible, your rates probably would not be impacted, but hers would be.

Here is where a good agent can help. You need to know the rules for rated accidents in the state you are in. It is going to depend on the dollar amount of the damage.

Dan

 

[sanvister]

If you crashed into the garage door with your car, your car insurance would be the one to respond. The liability portion of your renters cannot be used to respond to automobile claims. Further if the Landlord uses his insurance to pay for the damage, they will just go after you!
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[daryllenriquez]

If the one who crashed in on your garage door is a friend, then there wouldn't be any problem making her understand. If she refuses to pay or at least contact her insurance agent about this... hmn... maybe s/he's not a true friend at all.