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What Happens When a Car Crashes Into a House in NJ?

Boom! You just ran your car into the garage door. You thought you had your car in reverse. Because you were running late for an appointment, you weren’t paying attention and now the front end of your car has caused damage to the house! When a car crashes into a house (especially if you own both), it can complicate the insurance claim. 

You need to contact your insurance company to file a claim, but you’ve got a unique situation involving your car and a house with damage. You’re not the first person to be in this situation, and you won’t be the last. Let’s consider some scenarios and what insurance lines will cover damages, as well as situations where you will not have coverage. Crashing your car into a house certainly makes for a bad day, but knowing how insurance works will help you sort things out.


Scenario # 1: Crashing Your Car into a House Owned by Another Person
You’re required by state law to carry minimum limits for liability on your car insurance policy. The liability insurance will include coverage for damage to others’ property. If you crash your car into someone else’s house, your auto property damage liability will generally cover the damages you’ve caused up to the limit on your policy. The person who owns the home you’ve damaged will most likely have homeowners insurance, but your auto insurance carrier will usually cover or reimburse costs associated with repair of the other party’s property up to the limit on your policy.
Regarding your vehicle, you will be able to have the damages to your car repaired only if you carry collision insurance. If your auto policy does not include collision coverage on this vehicle, then you will need to pay for the damage to your car out of your own pocket.


Scenario # 2: Crashing Your Car into a House Owned by You
If you run YOUR car into YOUR house, the situation can get a little more complicated because there is damage that needs to be repaired on two pieces of property owned by you – your car and your house. But this can be sorted out quickly when you consider the coverage you carry on your auto insurance policy.


Your Car - The first thing you will want to check is if you have collision insurance. If your auto policy includes collision coverage, then you can file a claim to have your damaged vehicle repaired. Collision insurance will usually pay the cost to repair or replace your vehicle when it has struck another car, or stationary object, which in this case is your house.


Your House – Property damage liability insurance will usually pay to repair or replace the damage and loss to others’ property in an auto accident that you caused. However, your auto liability coverage will not apply in a situation where you have caused damage to your own property. This means that you will also need to file a homeowners claim for property damage in addition to your auto claim for the damage to the car. Your homeowners policy will typically cover damage resulting from a car – even when it’s your car. Note that both your auto and your home deductibles will apply when you file claims under both policies.

Final Thoughts on When a Car Crashes into a House

It’s fair to say that you don’t want to be in this situation, but knowing how to respond, and how insurance will apply, can help in producing the best possible outcome. If you’ve recently been in a situation where you crashed your car into a house or you have questions about similar situations, call Plymouth Rock Assurance today and speak with a friendly, knowledgeable representative. You can also click on the following links to learn more about if car insurance covers damage from hail, hurricane, and windshield replacement.

Plymouth Rock has been providing unparalleled insurance protection for New Jersey drivers for decades. Competitive rates, exclusive affinity programs and exceptional customer service make Plymouth Rock the premier car insurance provider in the Garden State.

Call 855-993-4470, get your free quote online, or find an agent can help you protect you know more about what happens when a car crashes into a house. If you need additional information it can be found on our Contact Us page.