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If your child was hurt in a school bus accident in New York state should you file a claim with your own auto insurance or homeowners insurance?
Wiki User
∙ 18y ago
Contact the schoolbus company FIRST and get their info. Then contact your own insurer. Your house policy only applies to articles/devices damaged in the accident such as a MP3 player for example.
Wiki User
∙ 18y ago
Wiki User
∙ 9y agoNeither, You would file your claim with whoever insured the school bus or just use your medical insurance policy to cover it.
Your homeowners insurance will not cover it because that is property insurance and the accidental injury did not occur in the home.
Your auto insurance would not cover the injury because your vehicle was not involved.
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