Hi.
Son hit his car into fence. Do we claim under home or his car insurance?
Thanks.
Son Hit Car into Fence. Car or Home Insurance Claim?
follow on 01/04/2021 - 09:40
Last edited 01/04/2021 - 12:52 by 1 other user
Last edited 01/04/2021 - 12:52 by 1 other user
Comments
forgot to mention car is fine. no damage suprisingly.
In that case, whichever has the lower excess, which would usually be the home insurance, and also won't affect your Car NCB.
Except that the house insurance would get the money from the driver of the car who would then engage their insurance to pay for it.
@Quantumcat: this is just fallacy, just tell the son and neighbour to turn a blind eye claiming some random car did it and no one have the footage. I had claim before and insurer just agreed to pay out and never bothered chasing me for the details of the truck causing the damage, despite me telling them I had footage.
of course if the damage is too obvious to be attributable from members of your household then i'd advice not taking the risk
😂 at best silly driver would have saved a couple minutes.
Get a quote on the damage first as maybe just better to pay out of pocket.
What sort of fence?
Timber paling - probably cheaper to diy
Brick - just get son to knock down other side to matchIf you claim under house insurance won't your insurer then chase the 'at fault' party for costs?
Also, not sure how you'd go with both parties being well known to each other.
As others have said maybe better to fund your own repairs.thanks. will have to find that out. probably won't proceed if that's the case.
Racq just had us pay 1 lot of excess when the misso accidentally broke a window. Claimed on house insurance.
They shouldn't. Section 65 of the Insurance Contracts Act prevents insurers going after family members and relationships in respect to loss they can recover in some circumstances.
http://classic.austlii.edu.au/au/legis/cth/consol_act/ica198…
Worth talking to your insurer to confirm.
Do we claim under home or his car insurance?
Why claim at all!?
You say the car is fine, how much will the fence be to fix? Surely less than any excess?
fair bit more than excess. excess is quite low.
fair bit more than excess. excess is quite low.
'was' quite low….. wait till you claim ;)
he hit car into fence? jesus christ how big is this kid, whats he swinging for a golf club? a tree?
he hit car into fence?
Violence towards cars are not acceptable, in this day and age.
having previously had my own car hit my own house, car insurance wouldnt cover the damage to car or home due to being your own property that was damaged
I would make my claim against the son.
Same insurance company for car and home as I thought it was not possible to claim against oneself?
Have read of car insurance payout being denied when both cars where insured by same person.This is usually correct. Usually cannot claim under car insurance for damage to property owned by you or anyone ordinarily living with you.
Car insurance would cover damage to the car.
Home Insurance would cover damage to the fence.
OP - The PDS documents will lay out whether this is the case for you.
What did your insurance compnay day? Or what is in the PDS?
Had a friend in insurance and I asked a similar question - apparently this isnt covered? Suspect its to stop getting repairs on their own propert fixed under insurance when it could be intentional?
Sounds like car insurance though - irrelevant that the car isnt damaged (you sure theres no damage at all? Its usually the other way around!)
Car insurance. The home didn't jump out and hit the car, so the home insurance will only cover the home, whereas the car insurance will cover both the car and home.