Submit a question to our community and get an answer from real people.
Submit

my car was hit and the person doesn't have insurance, is the homeowner responsible for damages

at the time i wasn't using my car and had no insurance

Report as

Homeowners insurance doesnt cover any damage caused by a vehicle at all. Homeowner insurance pertains to a home, period.

If they didn't have vehicle insurance coverage, then you will have to sue them personally for the damages to your car.

Make sure there is a police report. It's critical that this be reported to the police.

Helpful (3) Fun Thanks for voting Comments (2)
Report as
Home owners insurance will cover if it happened on the property.. Been there done that
Report as
I have had extensive conversations about what home owners can cover and what it can not.. If a tree fell on a neighbours car.. Yes, home owners would cover it, or if a wall colapse on fell on a neighbours car .. yes, home owners would cover it .. But, if someone was driving a car and ran into another car .. I have a hard believing THAT one.
Report as
Add a comment...

The person who did the damage is responsible. If you have collision coverage, you can ask your insurance company to fix it, and try to get the $ back from the uninsured motorist.

Helpful (1) Fun Thanks for voting Comments (6)
Report as
Mr_FadedGlory
In the details the person asking the question describes how they had no insurance and they weren't using their car. I'm guessing the car was parked and registered as nonoperational
Report as
It makes no difference. The operator of the vehicle who did the damage is responsible. A car that is not operational is never an appurtenant structure, thus allowing it to be under homeowners.
Report as
Mr_FadedGlory
I'm not saying your wrong, but I don't believe homeowners insurance would cover that.
Report as
You are correct. And that's what I said also, we are in violent agreement!
Report as
I re-read my post and it wasn't clear:
Appurtenant structures are covered under homeowners.
Cars are never appurtenant structures
No coverage under homeowners
Report as
Mr_FadedGlory
Ok, I get it now :0)
Report as
Add a comment...

If they dont have insurance then your Insurance should pay to fix any damage. Its called uninsured motorist coverage ...

Helpful (1) Fun Thanks for voting Comments (0)
Report as
Add a comment...

You don't have insurance either? Did they give you a ticket ?
It could end up out of pocket if you were driving an uninsured vehicle as well.

Helpful (2) Fun Thanks for voting Comments (3)
Report as
Mr_FadedGlory
They said they weren't using their car. I'm guessing that means they weren't driving.
Report as
You could be right, it doesn't make sense otherwise. I read this over a few times. Still confused.
Nice to see you.
Report as
Mr_FadedGlory
Shinypate says some other stuff that I'm not sure is accurate. He may be more of an authority on the subject though
Report as
Add a comment...
Mr_FadedGlory

No, you'd have to sue the person who struck your car.

Helpful (3) Fun (1) Thanks for voting Comments (2)
Report as
best answer, I think. Because, they both didn't have insurance. It makes sense.
Report as
Mr_FadedGlory
Thank you :0)
Report as
Add a comment...

You are going to eat the cost. That's why even if your not using your car you put storage insurance on it

Helpful Fun Thanks for voting Comments (0)
Report as
Add a comment...

Why would the homeowner be responsible?
The person who hit your car is responsible - whether they have insurance or not.
Since you didn't have insurance, either ... you have a couple choices:

1 - Get your car fixed, then sue the other person to recover the cost of repairs.

2 - Get estimates to repair your car, then sue the other person for that cost.

3 - Nicely ask the other person to pay for repairs, and get any agreement in writing.

Helpful (2) Fun Thanks for voting Comments (2)
Report as
Thats what I thought also. Why WOULD a homeowner be responsible.....Also, would the person who actually is on the title to the car have to be the one to sue for damages? I was thinking it would have to be the owner......
Report as
If the driver was not the owner ... you could sue BOTH people. Based on the assumption that the owner allowed the other person to drive.
Report as
Add a comment...

I am shocked you didn't get a ticket. It doesn't matter here, whether the car is yours or not. If you are driving a car with no insurance and get caught they will ticket you and it is very costly. (again, thats here) But, homeowners insurance would never be responsible for an auto accident. It is going to be up to the person who owns the car to go after the person that hit you. If it wasn't even your car, does the car OWNER have insurance? If they did and only had liability, then they are out of luck, as that only covers a car they hit, not a car that hits them. Also, the actual car owner would have to be the one to sue to get any monies back, as the car isn't in your name. Was the car parked, or were you driving it at the time?

Helpful Fun Thanks for voting Comments (1)
Report as
Mr_FadedGlory
They weren't driving the car that had no insurance
Report as
Add a comment...

Any way you look at it, the person that hit your car is responsible for the damage repair, regardless if he had insurance or not. You not having insurance on the vehicle has no bearing on responsibility.

Helpful (1) Fun (1) Thanks for voting Comments (0)
Report as
Add a comment...
Do you have an answer?
Answer this question...
Did you mean?
Login or Join the Community to answer
Popular Searches