Sugar Land, TX asked in Products Liability, Insurance Bad Faith and Insurance Defense for Texas

Q: I've Amica insurance for both home & auto & my son hit house. Amica says to cover home on home policy, not auto. Fair?

1 Lawyer Answer
Leroy Scott
Leroy Scott
  • Consumer Law Lawyer
  • Houston, TX
  • Licensed in Texas

A: That sounds about right. Your auto policy probably covers damage to the vehicle itself (collision or comprehensive coverage) and damage that you cause to other people’s property (liability/property damage coverage). While your home policy covers damage to the home itself and may cover injuries to other people (liability). It's very unlikely that you would have an auto policy that covers damage to your home. I would recommend asking for a copy of each policy and reading what's covered and what's not covered.

Tim Akpinar agrees with this answer

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