Car accidents are complicated events, and when they involve both vehicles and property, they can get complicated very quickly. Such is the case with an incident that may trigger both auto insurance and homeowners insurance claims, which can happen in Florida. It is helpful to know how both types of insurance will come into the picture- and if one somehow overlaps with the other, which may be useful in terms of confusion, delay, or denied coverage.
Under What Circumstances Would an Auto and Homeowners Policy Come into Play?
Auto insurance is intended for accidents arising from the operation of a vehicle, while homeowners’ insurance takes care of incidents happening on or around your home. However, a few accidents fall in between where both policies would have a bearing.
For example:
- Your car damages someone’s property: If a neighbour’s fence is damaged because you run into it, your auto liability policy might pay, but if the debris from the accident damages your home or yard, then homeowners would have to cover it.
- A vehicle damages your home: If another driver crashes into your house or mailbox, their auto insurance should cover the repairs. But if they’re uninsured or underinsured, your homeowners insurance might help cover the difference.
The Place of Liability Coverage
In Florida, liability coverage under each policy has confines. Specifics include the following:
- Auto liability pays for injuries or property damage you cause while driving.
- Homeowners’ liability covers injuries or damages that occur on your property, like slip-and-fall accidents or property damage caused by negligence.
If an accident turns out to be between the two-an example is a guest injured by your vehicle while parked in your driveway, then the application of the policy involves where the vehicle was, how it was used, and who was responsible.
The Claims Process and Coordination
Coordination between both policies should be given precedence. Generally, it would involve the following:
- Very promptly notify both insurance companies about the incident.
- Clear evidence should be given concerning the incident, like photographs, police reports, and witness statements.
- Let adjusters come into each company to determine which would apply for any policy (or combination).
Avoid assumptions or taking the blame until everything is clear. Every single person will be in a position to minimize their contribution to the unfortunate occurrence when statements differ.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is a St Pete car accident attorney. She focuses on personal injury, car accidents, and bicyclist injuries. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.
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