Car accidents can and do happen anywhere. This can include accidents involving buildings and vehicles.
The most commonly thought of scenario in relation to vehicle accidents has to do with being hit on the road. Many people are aware that they are more likely to get into an accident in the immediate vicinity around their home, but have you ever thought about a vehicle crashing into your house?
This creates a complex scenario that can involve both a homeowner’s insurance policy for the person whose home was struck and the driver’s vehicle policy. In most cases, the homeowner’s insurance policy for the person who owns the home that was hit by the car will pick up the repair costs, depending on of course the deductible and coverage limits on that policy.
The homeowner’s insurance policy may then turn to the driver’s vehicle policy to recoup those costs.
In most cases it is relatively clear that the driver’s vehicle policy should pick up the tab because this is a relatively clear indication of fault. However, there can be complex issues in these cases, particularly when it involves a neighbor. You should also be aware of this fact if your vehicle hits a retail building or a home and be prepared for the insurance implications this could have.
This situation can be further complicated in the event that someone inside the home was injured in the accident as a result of the vehicle striking the home. With all of these complex issues at play, it’s important to have the support of a San Francisco personal injury attorney.