Another insurance question. Whose insurance covers this?

parentofpeople
Mon, 11 Aug 2014 21:08:16 +0000

I am hoping someone can answer this question for me. I want to have an idea of the protocol before I talk to friend or my insurance company.

My car was parked in a friends driveway. While it was there an large tree branch fell onto the fender of my car, denting it. The way it is dented in, it is preventing the hood from being able to open, so it has to be fixed.

Is this something my auto insurance covers? Does their homeowners cover it or help with my deductible?

I am hoping the answer is that my insurance will contact and work with their homeowners without us having to get involved directly to prevent things from becoming awkward.

Any thoughts?