Q: Can I be compensated for car and house damage caused by another driver?

A: Yes, and the first step is to set up a claim with that driver's insurance company. You must obtain repair estimates for all damages, and if the limits of that driver's policy are not sufficient to cover your entire repair cost (both home and car), you can look to your own insurance policies (homeowners and auto) to make up the difference, or, alternatively, sue that driver to make up the difference, if feasible. Regarding reporting to your insurance companies (auto and homeowners), your insurance policies may require you to promptly do so, even if you are not yet setting up a claim with them. See your policies or ask your insurance agents.

A: Yes, you can be compensated for the damages caused by the other driver, especially since the police report was filed and they are at fault. The other driver’s insurance should cover the costs of repairing both your car and the house, assuming they are found to be responsible. It’s important to get in touch with the at-fault driver’s insurance company to start the claims process and provide them with the necessary documentation, including the police report.

You should also contact your own insurance company to inform them of the incident, even though the other driver’s insurance is at fault. They may be able to assist you in handling the claim or help with any immediate repairs, depending on your policy. Your insurance company can also help ensure that all the correct steps are taken to secure compensation for both your car and house damages.

If you encounter any issues with the other driver’s insurance or if they refuse to compensate you fairly, you might want to consult with an attorney. They can guide you through the process and help you pursue the full compensation you deserve.