Liability car insurance for property damage covers damage you cause to property, including public property, such as traffic signs and railings. If a car damages your property, the driver or owner of the vehicle is responsible for the damage, assuming that they are at fault. If the driver's liability insurance isn't enough to cover the damage, or if it isn't insured, you can file a claim with your home insurance. It's generally a good idea to get a repair quote from a qualified professional to ensure that the cost of damage is higher than your deductible.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. Either you've been paying for insurance for years and now you finally need to use it, or you want to know the insurance of the person who caused the accident and their personal injuries. If you've recently had a car accident, it's important to know the different types of coverage that are available under your Tennessee car insurance policy. If property damage costs more than the home insurance deductible, it might be worth filing a homeowners insurance claim.
If a car hits your home and the driver isn't insured, your home insurance may cover the damage; however, you may be responsible for paying the home insurance deductible. Collision coverage can also come into play if there is a liability dispute between your insurance company and the other person's insurance company (e.g.