If you happen to live in a house adjacent to a busy or steep stretch of road, you might occasionally experience a dinged mailbox or other types of property damage. For instance, this house in Richmond, VA recently experienced its second collision from a car in just six months.
According to Ameriprise, 60 drivers crash into buildings each day in the U.S. If you really like your home and don’t feel like relocating, there are some things you can do to safeguard your residence from potential car collisions.
Confidence Boost: Learn more about Chevy OnStar and Connected Services
Photo: Pixabay
Cres Insurance Services recommends installing a fence or stone wall near the road to help deter careless drivers from getting too close to your property. You can also plan generous-sized shrubs and/or trees on strategic areas near the road to serve the same purpose.
Photo: Breakingpic
What to do if a car does collide with your house
But what happens if a vehicle does damage your mailbox or the house itself? Per The Balance, the at-fault party is responsible for compensating you for any damages caused by the collision. This incident would fall under the property damage provision of that driver’s car insurance policy.
For any additional damages that go above and beyond the offending driver’s coverage, homeowner’s insurance will usually step in. Though, make sure to thoroughly read your homeowner’s insurance policy to make sure that it explicitly lists “vehicles” when enumerating the property damage-related hazards that it will cover.
Shiny and New: Meet the 2020 Chevy Corvette
The News Wheel is a digital auto magazine providing readers with a fresh perspective on the latest car news. We’re located in the heart of America (Dayton, Ohio) and our goal is to deliver an entertaining and informative perspective on what’s trending in the automotive world. See more articles from The News Wheel.
