We've all seen the crazy Facebook memes of the car that crashed into the house in some crazy configuration. I mean, we even put them on our business Facebook page. And it never fails. Every time one of these pops up, at least one person will ask whose insurance is going to pay for that! Think about it. Is it the driver's car insurance? Is it the person's home insurance? Is not covered by anything?
You're not alone in wondering does home insurance cover a car crashing into my house. It's really kind of a confusing scenario. Fortunately for you, Insurance For Texans has seen some wild claim stuff through the years and this is no different. So let's break down the pieces.
Auto Insurance Responsibility
First and foremost, assuming the driver who hit your home does in fact carry insurance, that insurance will correct any damage to your home through the Property Damage portion of the policy's liability coverage. However, this can create problems depending upon the damage inflicted to your home. The state minimum requirement for property damage coverage on auto policies in Texas is $25,000.
So let's say that this car hits your home and takes down a wall at the end of the house. That repair bill after structural issues are addressed and then the rebuild happens will very likely go well beyond the $25,000 minimum. Who's responsible then? You can take them to court. But will you actually get any money? Tough to say in reality. This is part of why we recommend drivers carry AT LEAST $100,000 in property damage on their auto policy. But what happens if you have more damage than the driver has in liability coverage on their auto policy?
What Really Happens Next?
The good news is that if you have a TRUE Texas home insurance policy from Insurance For Texans, your home will be covered at this point. The repairs of the home will fall under coverage from damage by vehicles and is subject to the All Other Peril deductible on your home policy. That means you will be able to repair your home even if the driver of the car doesn't have coverage. You will simply be asked to pay that deductible amount, and you will also have access to your loss of use coverage to have a place to call home temporarily.
This question is really pretty simple from a coverage standpoint. While it is one you may have never pondered, Insurance For Texans certainly has. Our job is to keep an eye on situations like this to make sure that you aren't left in a lurch. If you aren't sure what your home and auto coverage looks like, you need to have a conversation with one of our independent insurance agents today. Click the button below to get TRUE Texas Home Insurance or call us at 469.789.0220.
