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Do you have to file suit to recover from a homeowners liability coverage?
Wiki User
∙ 10y ago
Not usually no. I just depends on what happened.
There is not enough information in your question to answer.
If you are the homowner, the answer would be no, you can't sue yourself. It would be thrown out of court.
Wiki User
∙ 10y ago
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Does home insurance cover slander?
Personal Liability coverage is included in homeowners insurance. Personal Liability includes coverage several different scenarios including negligence for injuries and damage, libel, and slander. If you are accused of slander and are facing a lawsuit, contact your insurance agent to file a claim on your personal liability coverage and your home insurance company will pay for legal defense costs, settlements, and judgments awarded.
Can you sue your own homeowners liability insurance?
NO, of course not. It is not possible to liable to ones self. Your homeowners Liability coverage will pay the cost of defending you in court if someone brings a suit against you. It would also pay for certain judgements won against you should the court find you liable. In order to file suit against your own homeowners liability insurance you would basically have to sue yourself. I'm sure that any judge would throw the case out just before he orders you to seek psychiatric treatment.
How is your claim handled if you hit a something in your own yard with your vehicle?
You would have to file an auto claim and a homeowners claim. The damage to your property could not be covered under your auto's liability coverage because an insured cannot be liable against themselves.
Does homeowners insurance cover theft of car from driveway?
Homeowners insurance and Auto TheftNo. Homeowners Insurance does not provide coverage for Automobiles. You will need to file that with your Auto Insurance company if you have comprehensive Auto Coverage.More sNO. That would be something that auto insurance would cover if you had full coverage including theft. Homeowners, does not cover motorized vehicles, except in specific cases.
If your car is hit by debris from a roof will the homeowner's insurance pay or will your car insurance have to pay?
Depends if it is (1)your roof and your car, (2)your neighbors roof and your car, or (3)your roof and your neighbors car. 1 - You can't sue yourself so your homeowner's liability is out of the question, if you have comprehensive coverage on your car it will be subject to that deductible and your car insurance will pay. 2 - Your neighbors homeowner's liability coverage will pay for the damage to your car. 3 - Your homeowner's liability coverage will pay for damage to their vehicle. 2 or 3 you may want to get an estimate on how much it will cost to fix your vehicle, having a homeowners claim can seriously impact your ability to qualify for competitive homeowners insurance rates and you should only file claims against your homeowners if it is truly necessary. I would say if the cost to repair the car is under $2500 you should work out an agreement with to pay out of pocket instead of through homeowners, unless you can get a gaurantee in writing from the homeowners insurance saying your rates will not go up due to the claim. Good luck.
Tree falls on car on a rental property does homeowners insurance cover it?
No Homeowners insurance does not provide coverage for automobiles. You would have to look to your auto Insurance to file a comprehensive claim. No one is liable for an act of nature.
Does homeowners insurance cover your car when it rolls down a steep driveway into a tree?
No. Your homeowners Insurance Policy does not cover Auto Collision. You will need to file on your Auto Insurance under your Vehicle Comprehensive and Collision Coverage.
If a tree falls on your moon roof what insurance coverage do you use?
File a claim on your comprehensive auto insurance if you have it. Your homeowners insurance will not cover damage to your vehicle.
Will homeowner's insurance cover the cost of replacing carpeting if a hired painter spills paint and ruins the carpet?
Typically your homeowners insurance does not provide coverage for poor workmanship or for hired labor. Accidental damage caused by your contractor is the responsibility and liability of the contractor The first place I would go for coverage under the painter's liability coverage. In the event that you hired a painter and failed to check his insurance coverage then I would ask your insurance agent for advice on whether to file a claim or not. You might find that the increase in premium that can be associated with a claim will mean that you are better off covering the damage yourself. Sue the painter.
Can an intoxicated minor file a med pay claim against your homeowners insurance?
medical payments to others is no fault coverage - it makes no difference if the person is intoxicated or not
Who do you file the claim with?
It's always best to file with your company assuming you have the appropriate coverage, then let them sort it out. Although you will incur you deductible. But if the other company accepts liability, you will get your deductible back eventually.
Does your homeowners cover damage due to remodeling your home?
Generally speaking no. If the contractor did damage intentionally you could file a vandalism claim but you would also need to file a police report. If the contractor was negligent, you could file a claim with their commercial liability insurer.
