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If you have an umbrella policy, that might cover it. If you have separate standard polices for home and auto, the auto insurance will cover it first. Deductibles might be picked up by the homeowners. Policies are hugely different, though. You need to consult your policies and call your agents. Recently, my father-in-law bashed my car with his while backing out of my driveway. My collision insurance covered the damage to my car. His covered the damage to his. My homeowners insurance did not cover my out-of-pocket expenses for the deductibles, but his liability insurance did. It's a little different in your case because the same policy covers both cars (I assume).

2006-08-23 15:34:01
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Q: If your husband damages your car in the driveway of your home do you file a claim under your homeowners policy or the auto policy?
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Related Questions

Can my husband add my name to a homeowners insurance policy but not to the deed?


Is the theft of a dog insured by homeowners policy?

No, homeowners insurance is Property Insurance, it does not cover loses or damages resulting from our choice of pet ownership.

What does homeowners insurance pay for in case of damage to your house?

Your Homeowners insurance policy will pay for damages that result from the covered perils specified on your insurance policy subject to the policy limits and any deductibles listed therein.

Are parents liable for damages in Massachusetts for an auto accident that their children caused?

Yes, they are through their homeowners policy.

Are damages as a result of faulty design covered under a homeowners policy?

No, you need to go after the manufacturer of the product.

Will homeowners policy cover replacement of driveway culvert?

It all depends on whether or no the driveway culvert is covered by a covered peril listed in your policy and that there is not an exclusion which would then exclude coverage. For example if your policy has the peril of "vehicle collision" in it, and a vehicle collided with the driveway culvert and caused the damage, it would be covered as long as there is not an exclusion saying it would not be covered for some reason. Also, you would have to own the driveway culvert and not the city, as your policy only property you own.

Will your homeowners insurance cover damages caused by a hit and run driver who smashes into your brick wall fence?

Yes, Your homeowners Insurance policy, (unless you have Fire Only) should respond to damages to your home from an automobile.Answeri am an insurance agent and if you have a hit and run such as that description and you do have a homeowners policy. it will be covered under the policy, you will have to pay your deductible and it will go onto your records as a loss but they will pay the damages that are above your deductible, now they will have to prove that it wasnt one your cars doing the damages so you can get a new brick wall and that it wasnt because your wall was old and just fell. and trust me they have their way of proving that.

If you do not have Comprehensive Coverage on your car would your Homeowner Insurance cover vandalism on a car that was parked in your driveway?

No. Homeowners policy specifically exclude automobiles. //

Should homeowners insurance cover water damage that was caused before you moved in?

No. Your policy will only cover damages which were caused by a covered loss during the policy period.

Does homeowners insurance cover wind and storm damage to detached garage?

If you have wind and hail coverage on your policy and the detached garage is a covered structure on that policy then Yes, your policy would cover the damages.

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.

Is a homeowners policy a multiline policy?

No, Homeowners policies are considered Mono-Line

Is my window covered for the damages?

The ability to collect on a claim on your homeowners' policy will be determined by an insurance claims adjuster after consulting your policy. The broken window may, or may not be covered if your child broke it.

Are Water Wells covered under homeowners insurance policies?

No, water wells are not typically covered under homeowners insurance policy. The company that installs the well usually has a warranty that may cover damages, or malfunctions.

Does homeowners insurance cover rental property damages?

No, you would need to purchase an Insurance policy for your Rental Property. Sometimes referred to as landlords Insurance.

Does homeowners insurance cover cat damage to new furniture?

No, Your home insurance policy will not cover normal and expected damages that result from our choice of pet.

Does your home owners insurance covers hail storm damages to exterior walls of your home?

A homeowners policy does provide coverage from hail, windstorm, etc.

Does a homeowners insurance policy have to have the name of the current owners on the policy?

Yes, of course. The current owners on the policy have to pay for the insurance policy, This is why this policy states that it is a homeowners policy.

Does homeowners insurance cover damaged driveway caused by utility company water leak?

No. The utility company is responsible for the repair of your driveway, not your insurance. I'm also pretty sure that a driveway technically is not considered part of your home and is not covered under most policies. Check your policy to see what is and is not covered.

Does your homeowners insurance cover your driveway cracking and crumbling?

Your homeowner's policy covers unexpected losses like back up of city sewer water into a basement or loss due to burglary. So, unless your driveway is cracking and crumbling because of some unforeseen cause, your homeowner's policy will not cover it. If your driveway was just recently repaired or installed, you might want to check your warranty.

If I have an oceanfront property that is destroyed by wind and waves from a hurricane and have no flood insurance will my homeowners policy cover it?

you would need to prove wind damages - consider hiring an engineer. Waves is the same as flood and excluded by homeowners insurance.

Who is a logical candidate for homeowners insurance?

Anyone who owns a home can benefit from the protection afforded from a Homeowners Insurance policy. Typical coverages offer protection for homeowners from losses known as "Perils" or "Hazards" such as damages from Fire, lightning, wind and hail storms as well as many others.

Will AAA homeowners insurance policy cover overflow of water from sink?

No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.

Will your entire roof be replaced when tree falls and damages only part?

No, your insurance contract specifies coverage for certain damages that result from the covered perils listed on your policy. Homeowners insurance can not provide coverage for things that are not damaged.

If I am working as a babysitter and my car is damaged from a falling branch in the homeowners driveway do they have to pay for the damages out of their homeowners insurance?

It depends on whether the homeowners were aware of a potential problem with their trees/limbs. If they knew of a dead tree or limb, there is a possibility of liability on their behalf. The key to this is proving that they were aware of a potential problem, which is very difficult to do unless they have been warned in writing. This is the only way their homeowners policy would cover your damage as well. Otherwise, if it was just a tree limb that fell because of wind, you have no legal recourse against the homeowner. It's just an "act of God" = weather.