Which Insurance Covers a Property Damage that Cause by a Vehicle
Whenever we talk about property damages, at that time, most people need clarification about the actual meaning of property damage, which would be helpful. But, here we want to tell you that basically, there are two types of property damages: one is personal, and the other one is actual property damages.
But, when we talk about damages recoveries, it entirely depends upon the insurance company and the claim you make. But one more thing everyone should be aware of is that if you crashed your car into a house, what next step will you take to protect your property, and who is liable for causing the damages? More such questions arise.
So, in this article, we have shared with you all a straightforward meaning of property damages, its types, common causes, and more.
What is Property Damage?
Some people still need to have a clear idea about how property damage works, what it includes, etc, and thus, here we start our article by sharing with you a straightforward term about Property Damage.
In straightforward terms, property damage means damages to your property because of any man-made fault or natural disaster.
Types of Property Damage:
Generally, Property Damages are of two types, so let’s look at both types one after another.
- Personal Property:
Simply put, personal property includes all those things you can take while moving home; for instance, clothing, jewelry, vehicles, electronic devices, etc., are included in personal property.
- Real Property:
Real property means the things permanently attached to the land; for instance, a part where your home is built, the house sitting on your land, etc, are included as real property.
And, when we talk about property damages, it includes both real and personal because both have a high chance of occurring damages because of any man-made action or natural causes.
Common Reasons Behind Causing Property Damages:
As we said above, property damages can occur due to a natural disaster, such as an earthquake, flood, etc., and man-made damages, like hitting your house because of overspeeding influential driving, are also included in a property damages insurance policy.
So, there are many reasons behind causing damage to your property, and we will share a few prevalent types of damage information with you in the points below.
- Negligence:
It is a widespread type of property damage. Suppose someone hits your property carelessly; at that time, you have a complete right to make a compensation claim against that person, but you need to collect a few incident-related proofs.
- Trespass to Chattels:
Trespass to Chattels or to land means that someone intentionally damages your property. Here, suppose someone intentionally causes damages to your tangible property. In that case, it is known as Trespass to land, and if anyone intentionally causes any damages to your personal property, then it comes under the Trespass to Chattels.
- Conversion:
Conversion property damages are similar to the Trespass to Chattels, but the defendant must have interfered so severely with your property rights here. Thus, they need to pay for the damages that happened to your property.
So, the above are all common reasons for causing property damage. Apart from this, here we talk about a property damages that caused by a car, then they are because of fatigued drivers, poor weather conditions, poor road design, Hazards on the roadway, distracted driver, hit and run, and more.
What To Do If a Vehicle Damages Your Property
Only a few people experienced such situation, but still there are many other policyholder who are not having much information for the same.
Thus, here we share a few steps you can take immediately after a vehicle damages your property.
- Step 1:
If anything is on fire, call immediately on 911 immediately, turn off the main gas line at your home, and get everyone out of the house.
- Step 2:
Check that no one from your family member is injured, and if they are, take them to a hospital as soon as possible.
- Step 3:
Later, after ensuring everyone is safe, you need to connect with your nearby police station and inform them of all the accidental scenarios ideally.
- Step 4:
Once you make a police report, take a copy with you, visit your insurance provider, and submit the police report, along with some evidence, such as the liable person’s car number, car model, contact information, etc.
- Step 5:
Also, you need to take pictures and videos of the accident scenario here, as these things will be helpful for you at the time of the claiming process. You can also take the witness statement if anyone has seen the crash, and collecting their contact details is necessary here.
- Step 6:
You can also get the help of an experienced lawyer here, who can give you proper advice related to further procedures.
Who is Liable to Pay for the Damages?
We always know that every accident happens for a differ reason, and in differ circumstances, thus, it is always quite a complex things to identify who is at fault, and a vise a versa situation also happens with that of the property damage cases.
For instance, if a driver hit the vehicle at your home, and the rate of damages are quite higher than that of the driver’s coverage limit, at that time half of the amount will be paid by the liable person, and the remaining one will provider by your homeowner’s policy.
Let’s learn more about it in quite brief scenario:
- The Driver’s Insurance Policy:
Suppose a driver causes damage to your home wall, and its repairing cost is $42000, but the driver’s insurance policy only covers up to $30,000, then, in that case, you will have to take the help of your homeowner’s insurance to fulfill the remaining coverage expenses.
- Homeowner’s Policy:
Generally, the Homeowner’s policy includes all the damages that occur to your property, including the fire, theft, vandalism, and all the other that are caused by a vehicle.
Not only that, but here you can also add the expenses caused by uninsured drivers. And, here, if you believe that someone has intentionally caused an damage to your vehicle, at that time, you can also take the help of a lawyer, who can handle the matter and helps you recover the damage amounts.
In a nutshell, it is pretty clear that, if any drivers cause the property damage, then at that time, he/she is liable to pay for it, and if they aren’t able to pay the entire amount, at that time you can also take the help of your home insurance policy.
Final Words:
Property Insurance is one of the primary types of insurance that most people need today. Because no one can predict any uncertain events, such as fire, flood, earthquake, car hitting, etc. Thus, here in this article we have shared all the information related to what will you do if a car hits the house, who will be responsible for causing the damages, and more.
Now, at last we would like to say thanks to all the readers, for spending their valuable time to read our article, and still if you have any queries then please feel free to make a comment in our website comment section.