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topcat7

Junior Member
What is the name of your state? ky

if a accident happens at my house involving a neighbors boy and my daughter and it is the neighbors fault why wouldnt my homeowners insurance cover it. my agent said that we would have to go through his insurance even though it was at my house
 


JETX

Senior Member
topcat7 said:
if a accident happens at my house involving a neighbors boy and my daughter and it is the neighbors fault why wouldnt my homeowners insurance cover it. my agent said that we would have to go through his insurance even though it was at my house
Depends largely on what happened, how it happened, etc. What did YOUR insurance carrier say when you asked them??
 

JETX

Senior Member
topcat7 said:
ky.-- they said that my neighbors has to, i was wanting mine because i have better coverage
If your insurance has already declined coverage... then you either pay yourself or allow the neighbors insurance to pay... and then they can pursue YOU for the amount they paid on the claim.
 

efflandt

Senior Member
Why do you expect your insurance company to pay for something that was not your liability, and therefore, not their liability? The liable party or their insurance should pay.

JETX is apparently a bit turned around and not paying attention (asking question already answered, and assuming you were liable).
 

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