Insurance/who pays for mild fire damaged car?

[Anonymous]

Anonymous wrote:

Anonymous wrote:This is it a small job, the paint job will be an entire panel which can be 1000 a panel (check now many) then then the light is another $1000 inc labor , at least 2000. Get estimate and have the neighbors pay for it and if they don't have then file with you car insurance and they will go after the neighbor.

Why would OP’s car insurance pay/get involved? This wasn’t a car accident.

Car insurance covers more than collision. If a tree branch falls on the car or it gets flooded or gets burnt, comprehensive part of car insurance covers it. If OPs car insurance determines the fault was with the neighbor they can pursue reimbursement from the neighbor but the OP doesn’t have to get involved in all this unpleasantness

[Anonymous]

OP here. Neighbor last night made clear they want to pay out of pocket for damages and not involve insurance at all. So I'm getting quotes from our garage. I'm also happy with this approach.

[Anonymous]

Anonymous wrote:Your car insurance does not go up if someone else is at fault.

Of course it does!

Where’d you hear that nonsense?

[Anonymous]

Anonymous wrote:OP here. Neighbor last night made clear they want to pay out of pocket for damages and not involve insurance at all. So I'm getting quotes from our garage. I'm also happy with this approach.

Seems like the neighborly thing to try. Hope this works out for you!

[Anonymous]

Anonymous wrote:Your car insurance does not go up if someone else is at fault.

Disagree. If it's a no fault state it definitely goes up.

I think this would fall under homeowner's insurance. Who is paying to fix the fence?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Your car insurance does not go up if someone else is at fault.

Of course it does!

Where’d you hear that nonsense?

Not my experience. We’ve been hit by others, not our fault, and their insurance paid. (We even used OUR insurance to help facilitate) and our rates did not increase each time.

[Anonymous]

It's your neighbors HO insurance for this and there is a reason they want to pay OOP. Will they also pay for a rental vehicle while yours is in the shop?