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Can I make a claim on my neighbor's home insurance for damage to my car?
"At my townhouse complex, people access the residential parking lot through backyard fence doors. Due to my parking spot's location, I have to park my car very close to the doors. Recently, on a windy day, my neighbor's unclosed door flew open and hit my car, causing a dent. Will my neighbor's homeowners policy cover this damage to my car?
"
Alexah Grinnell · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Typically, if your vehicle is damaged while it’s parked, this would be a comprehensive claim under your auto insurance. But your neighbor could very well be liable for the damage caused to your vehicle in this situation. The damage would fall under their
liability coverage
on their homeowners policy. Should their homeowners insurance company choose not to pay for the claim, you have the right to take them to small-claims court to help determine who is liable for the damage.
“
View full answer
- Gregory R.
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