Q: Can I be compensated for car and house damage caused by another driver?
My parked car and house were damaged by another driver who was at fault and has insurance. A police report was filed, but I haven't contacted my own insurance company yet. Will I be able to be compensated for those damages?
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.
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