A coach has damaged the front boundary garden wall (not the house wall) of both self and a neighbour. I am hopeful of getting the number of the coach company and plenty of people saw it.
From here on I don't know what the likely procedure will be. Will my insurers pursue the claim along with my neighbours? Do I have to do it? Do I have to get the wall fixed and then claim? Do insurance companies negotiate and leave me out? How will this work between three insurers?
TW
yes, no
no, don't until it's assessed and agreed
usually yes
not your problem
Next door but one neighbours garden wall was flattened by a car last year. No problem with details. The drivers insurance co sorted everything out ASAP. The neighbours only request was that the old sandstone wall was rebiuld with the original stones and not with bricks.
Hit and run? Report it to the police.
I wouldn't involve my house insurers at all. I'm also not convinced my house insurance covers garden walls, anyway.
It depends.
You could hand it all to your insurance company - assuming your cover includes the wall- and leave it to them.
There is risk they may decide it is more cost effective to pay up, including you paying any excess, increasing your premium, etc, if chasing the driver etc is ?all too difficult?.
You could deal with it yourself - at least you have an interest in getting every penny it costs.
About 10 years back - maybe more- a visitor to a neighbour across the road didn?t put her handbrake on fully. Her car rolled down the neighbour?s drive, crashed through the gates, crossed the road, and into our fence.
Fortunately the fence stopped it, otherwise it would have hit our ( previous) motorhome.
We were around at the time - my wife was in the dining room at the front of the house and heard the noise.
I had the fence repaired by a local company and sent a copy of the bill to her insurers. After a few phone calls, they sent me a cheque.
How the neighbour recovered the cost of his gates, I have no idea. I assume he claimed off her insurers. They were repaired soon after.
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