Members of an Alton family are in dire straits after a car slammed into their home in the middle of the night, causing the roof to collapse. The accident happened at an unspecified address on West Main Avenue about 3:00 a.m. May 10.
According to Alton Police, two teenage girls were in the vehicle when it struck two cars outside the home before slamming into the house. The driver, who police say was intoxicated at the time of the crash, was hospitalized, and was expected to be charge following her release. Neither the passenger nor anyone inside the home was injured.
A family member says this was the third time that a car has crashed into their home.
What happens if someone drives into your house?
Motor vehicles crashing into homes are more common than most people realize. In fact, vehicles hitting homes account for five percent of all home insurance claims. From the driver’s insurance company, to the homeowner’s policy, there are a lot of insurance companies involved in the aftermath, and getting them to agree on who pays for what can be a nightmare. Because of this, it’s important to understand the legal aspects of the situation in order to determine who will take care of the damages.
The vehicle policy
The at-fault driver should be liable for the damage to your home and any injuries you suffered. If the driver of the car is indeed found to be responsible for the accident, then he or she will be held accountable for the damage. But what if the driver’s insurance has a coverage limit?
For example, if the coverage limit is $20,000 and the damage to your property is under this amount, then the damage to your home is completely covered. However, if the cap of $20,000, but the damage is worth $50,000, then there may be other ways of making sure the house damage is covered.
Homeowner’s policy
Coverage under your homeowner’s policy depends on the language of the contract. If damage by a vehicle is specifically covered in your policy, and you were not the cause of the accident, it is possible that your homeowner’s policy could cover some or all of the pending damage.
Consult with the J. Gonzalez Law Firm today
If your home has been damaged by a driver, you should contact the personal injury attorneys at the J. Gonzalez Law Firm right away. Under Texas law, when negligent people injure others, victims are typically entitled to compensation for their accident-related losses.
This includes any costs that a victim incurs as a result of the accident such as having to stay in a hotel while their home is being repaired, or having to order out more often. At the J. Gonzalez Law Firm, we will review the facts of your case free of charge, and you only pay us if we win your case. Contact us today at 1-800-CAR CRASH.
Source: https://www.krgv.com/news/car-crashes-into-alton-home
