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Can car insurance be claimed if the accident takes place on my property?

Home ▸ Archive ▸ Serious Business ▸ Can car insurance be claimed if the accident takes place on my property?
B

barnesjim

Junior Member

2 posts
Mar 17, 2011 1:18 AM
I need to know what happens when someone damages my car on my property? We live in OH and a guest who had come over for dinner pressed the gas instead of the brakes and hit my car. Can I claim from his insurance company? He says since this is on my property, I cannot claim from his insurance. Is that right? Please help!
Mar 17, 2011 1:18am
1_beast's avatar

1_beast

Senior Member

5,642 posts
Mar 17, 2011 1:22 AM
His insurance is responsible.....I had a friend hit the gas instead of brakes(LOL), go through my garage door, hit wifes mini van and pushed into my 5 year old gas grill......my insurance co said its on him....HIS insurance come out, pays to fix my garage door, my back of minivan, front of minivan AND gave me the cash for a NEW gas grill.....

HE caused the accident, NOT you!!!!
Mar 17, 2011 1:22am
sleeper's avatar

sleeper

Legend

27,879 posts
Mar 17, 2011 2:30 AM
His fault. He gave you a bunch of bull, and who gives a shit? File the claim, let his insurance and your insurance duke it out.

Also, what a shitty friend or guest or whatever. He needs to rectify the situation if he doesn't want a claim on his insurance. What did he say? I'm curious. Was it like "Sorry, I hit your car. It's too bad its not my problem since it was on your property." What a joke.
Mar 17, 2011 2:30am
CenterBHSFan's avatar

CenterBHSFan

333 - I'm only half evil

6,115 posts
Mar 17, 2011 5:48 AM
^^ What Sleeper said!
Mar 17, 2011 5:48am
Belly35's avatar

Belly35

Elderly Intellectual

9,716 posts
Mar 17, 2011 6:45 AM
Claim the damage and charge the guest for dinner also...
Mar 17, 2011 6:45am
S

Sonofanump

Mar 17, 2011 7:46 AM
In Ohio, the owner of the vehicle and the driver of the vehicle (if they are different) are pro-rata responsible for the damages caused to other's property on an actual cash value basis.

Since it is on your property, most local authorities will not respond to the call to file a report. But that is not needed for insurance purposes.
Mar 17, 2011 7:46am
Little Danny's avatar

Little Danny

Senior Member

4,288 posts
Mar 17, 2011 8:27 AM
Is your guest an insurance adjuster or a lawyer? What makes him an expert? I hate when people act like they know what they are talking about when they are completely wrong. I think the guest had his facts confused. He was probably thinking about if you owned two autos, and one struck the other. In that scenario, if you had collision coverage on both you would have two deductibles as your liability coverage would not cover damage to an auto that is on the policy. Pursue the claim against the guest, he is completely wrong.
Mar 17, 2011 8:27am
THE4RINGZ's avatar

THE4RINGZ

R.I.P Thread Bomber

16,816 posts
Mar 17, 2011 9:15 AM
And after you cash the check from his insurance company, beat his ass and tell him the friendship is over.
Mar 17, 2011 9:15am
E

enigmaax

Senior Member

4,511 posts
Mar 17, 2011 9:39 AM
Here is why the OC is so great. This guy signed up for the exclusive purpose of getting advice on how to handle an insurance claim. Not only did he receive sound advice (mainly from the4ringz), he got some vCash to boot.
Mar 17, 2011 9:39am
S

Sonofanump

Mar 17, 2011 10:26 AM
Little Danny;714947 wrote: He was probably thinking about if you owned two autos, and one struck the other. In that scenario, if you had collision coverage on both you would have two deductibles as your liability coverage would not cover damage to an auto that is on the policy.

Some carriers would waive both deductibles in that type of incident.
Mar 17, 2011 10:26am
september63's avatar

september63

Senior Member

5,789 posts
Mar 17, 2011 10:51 AM
sleeper;714879 wrote:His fault. He gave you a bunch of bull, and who gives a shit? File the claim, let his insurance and your insurance duke it out.

Also, what a shitty friend or guest or whatever. He needs to rectify the situation if he doesn't want a claim on his insurance. What did he say? I'm curious. Was it like "Sorry, I hit your car. It's too bad its not my problem since it was on your property." What a joke.

This.
Mar 17, 2011 10:51am
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Mar 17, 2011 11:24 AM
Sounds like your guest is a dumbass or a liar. I'd guess both, actually. File the claim.
Mar 17, 2011 11:24am
Fab1b's avatar

Fab1b

The Bald A-Hole!!

12,949 posts
Mar 17, 2011 11:42 AM
Call his insurance wnd file a claim against him ASAP
Mar 17, 2011 11:42am
Rotinaj's avatar

Rotinaj

Senior Member

7,699 posts
Mar 17, 2011 1:05 PM
Sue him then do his wife.
Mar 17, 2011 1:05pm
LJ's avatar

LJ

Senior Member

16,351 posts
Mar 17, 2011 1:07 PM
Rotinaj;715208 wrote:Sue him then do his wife.

You have the backwards. Do his wife then sue him..


"I fucked your wife"
WHAT?!
"and I'm suing you"
WHAT WHAT WHAAAAAAT?!
Mar 17, 2011 1:07pm
Pick6's avatar

Pick6

A USA American

14,946 posts
Mar 17, 2011 1:33 PM
Is he offering to just pay you instead? Somebody hit me and I just got an estimate and had them write me a check for it so their insurance wouldnt go up. then I took care of it myself (actually made some money by finding a cheaper place). If he isnt offering to do that and is trying to lie to you, then you have a real douche bag of a so called friend.
Mar 17, 2011 1:33pm
sleeper's avatar

sleeper

Legend

27,879 posts
Mar 17, 2011 3:30 PM
enigmaax;714992 wrote:Here is why the OC is so great. This guy signed up for the exclusive purpose of getting advice on how to handle an insurance claim. Not only did he receive sound advice (mainly from the4ringz), he got some vCash to boot.

lol'd
Mar 17, 2011 3:30pm
Cat Food Flambe''s avatar

Cat Food Flambe'

Senior Member

1,230 posts
Mar 17, 2011 10:09 PM
If the wife is hot, let her "pay" for the deductible. What's the going rate for an an escort these days?
Mar 17, 2011 10:09pm
B

barnesjim

Junior Member

2 posts
Mar 19, 2011 2:11 AM
Thank all..I’ll be calling him and taking insurance details. @sleeper, he said something like “oops..I feel like such an idiot; but don’t worry that’s what your insurance is for”; @littledanny, he’s a school teacher (of all the noble professions!!!); @the4ringz, he’s not really a friend, he’s my sister’s friend, I met him for the first (and hopefully last) time; @sumofanump, I’ll specifically ask my insurance about the deductible, but do I need to pay one if I’m claiming from his car insurance?; @pick6. No. he made no such offer and that’s why I am so mad at him!
Mar 19, 2011 2:11am
GoChiefs's avatar

GoChiefs

Resident Maniac

16,754 posts
Mar 19, 2011 2:43 AM
barnesjim;717342 wrote:@sumofanump, I’ll specifically ask my insurance about the deductible, but do I need to pay one if I’m claiming from his car insurance?;

No. You won't have to pay a dime out of your pocket.
Mar 19, 2011 2:43am
S

Sonofanump

Mar 19, 2011 9:46 AM
barnesjim;717342 wrote:@sumofanump, I’ll specifically ask my insurance about the deductible, but do I need to pay one if I’m claiming from his car insurance?

Deductibles are only for the damage to your auto if you caused the accident.

Deductibles do not apply for damage to others autos that you damage.
Mar 19, 2011 9:46am
G

gut

Senior Member

15,058 posts
Mar 19, 2011 7:37 PM
Yeah, sounds like he wanted you to claim it on YOUR insurance (and then up to them whether they go after him and his insurance, which they most likely would but he was probably hoping not). You didn't cause the accident and shouldn't have to file. Contact his insurance directly. If he gives you shit, call your company and let them deal with it.
Mar 19, 2011 7:37pm
1_beast's avatar

1_beast

Senior Member

5,642 posts
Mar 19, 2011 11:20 PM
keep a subtle friendshup until after you get the claim filed.....then do his wife and leave him an upper decker
Mar 19, 2011 11:20pm
sonofsam's avatar

sonofsam

Wee' Gonna Win..

2,052 posts
Mar 20, 2011 1:39 AM
barnesjim;714853 wrote:I need to know what happens when someone damages my car on my property? We live in OH and a guest who had come over for dinner pressed the gas instead of the brakes and hit my car. Can I claim from his insurance company? He says since this is on my property, I cannot claim from his insurance. Is that right? Please help!

My girlfriend just so happens to be a licensed insurance agent...

This claim is valid. you can contact their insurance agency for the repairs. She told me if they give you hassle, contact your own insurance agent and they will fill out a form that will force the other company to pay for your damages. That dude is at fault 100%. Get your car fixed bro, hope this helps.
Mar 20, 2011 1:39am
K

keenangoolsby

Junior Member

8 posts
Mar 29, 2011 11:44 PM
Break a few things more and then take his OH car insurance for a royal ride so that he has escalated rates for the rest of his life!!!
Mar 29, 2011 11:44pm