When you think of accidents, someone driving through your home is probably the last thing that comes to mind. However, statistics show that accidents involving cars and buildings occur about 60 times per day. If you live at the end of a cul-de-sac or on a corner, you might be at an even greater risk for this type of accident. If this type of accident had already happened in your area, you need to prepare for the possibility that it will happen again. Here are four steps you need to take if you're ever involved in a house versus car accident while you're at home.
Call the Police Right Away
If you've had a car crash into your home, you need to call the police right away, especially if it appears that the driver was breaking the law when the accident occurred or if there are injuries involved. The responding officer will be able to assess the situation and take care of any citations that might be necessary, such as reckless driving or driving while under the influence. They'll also be able to ensure that you receive copies of the driver's contact information and insurance information.
File a Third-Party Insurance Claim
If you've had a car crash into your home, make sure you file a third-party insurance claim against the driver. Third-party claims involve claims made against the responsible party. The third-party insurance claim will ensure that you receive compensation for the damage to your property, as well as for any injuries you and your family members may have sustained. If you have difficulty filing the third-party claim or the insurance company refuses to provide services that you need, contact a personal injury attorney right away.
Contact Your Home Insurance Provider
If your home suffers extensive damage associated with the accident, you'll need to contact your home insurance provider. In some cases, the auto insurance coverage may not be enough to cover all the damages and injuries caused by the accident. If that's the case, your own home insurance policy may be able to cover the difference.
Seek Medical Care for You and Your Family
Finally, if you and any of your family have suffered injuries due to someone crashing their car into your home, seek medical care as soon as possible. This care should also include counseling for you and your family. Having someone crash into your home can be a traumatic experience. Counseling will help you and your family recover from the trauma.
If someone crashes their car into your home, use the tips provided here to recover from the experience. For help with the recovery process, be sure to contact a personal injury attorney near you.