A vehicle crashing into your home, garage, fence, or yard can turn a quiet day into a chaotic mess—shattering walls, damaging utilities, and leaving your property exposed. While most homeowners insurance policies do cover vehicle impacts, getting fully reimbursed isn’t always straightforward. These claims often involve not just your insurer, but also the at-fault driver’s auto insurance—and that’s where things can stall.
Insurers may delay your claim while pursuing subrogation (attempting to recover money from the driver’s auto policy), or they may underpay your loss upfront and suggest you “wait for the other insurer to settle.” Meanwhile, you’re stuck with structural damage, displaced contents, disrupted utilities like water or HVAC, and the cost of securing or temporarily vacating your home.
At Loti, we coordinate every piece of a vehicle impact claim—from police reports and repair estimates to insurance communication and claim negotiation. We ensure your property damage, contents loss, and any temporary housing or security expenses are fully documented and fairly reimbursed—no matter who’s technically at fault.
OUR APPROACH
Vehicle Impacts—When a Car Hits Your Home, We Hit Back with a Strong Claim
Call emergency services immediately and secure a full police report with driver and incident details
Photograph the damage from every angle—vehicle, impact zones, structural damage, and personal property loss
Document any disrupted systems (HVAC, water, gas, or electrical lines) and keep records of emergency repairs
Notify both your homeowners insurance and the driver’s auto insurance to initiate coverage coordination
Track all out-of-pocket expenses tied to cleanup, boarding up, fencing, security, or temporary relocation
Key Steps We Help You Take After A Vehicle Impact:
We also help you review your policy for coverage related to building repairs, other structures, contents, additional living expenses, and any ordinance/code upgrade costs triggered by rebuilding requirements.
At Loti, we handle the claim from every angle—so you’re not left navigating a complex, multi-party dispute while your home remains damaged. From crash site to full repair, we advocate for your total recovery—faster, clearer, and without the finger-pointing.
FREE RALLYBACKS
The vehicles peril is an important component of most standard homeowners insurance policies, providing coverage for damage to your home and property caused by vehicles. Whether a car accidentally crashes into your house, or a neighbor’s vehicle damages your fence, this peril can help protect you from the financial burden of repairs. Understanding how this coverage works, what it includes, and its limitations is crucial for homeowners who want to ensure they are fully protected.
This detailed guide will explain what the vehicles peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Vehicles Peril in Your Homeowners Insurance Policy: A Detailed Guide
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