If a stolen school bus hits my property, who is ultimately responsible for repairs?

A school bus was stolen from a school across the street from my house. Staff had left the keys in the bus. The children that stole the bus jumped off the bus, and the bus rolled into my property. I do have homeowners insurance. Who’s responsible for repairs?

Asked on March 21, 2011 under Accident Law, Mississippi


M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

Well there are two ways that you can handle it.  If your homeowners insurance will pay for the repairs to your property caused by the bus and the negligence of the staff member that left the keys in the car, let them.  They will then sue the appropriate party in the matter under the theory of subrogation.  If they will not pay for the damage then you yourself can sue the appropriate party - school, staff, bus driver, bus company, whomever - yourself under the theory of negligence.  You should seek consultation from an attorney in your area on the matter.  It is generally fee and they will generally take a percentage of the recovery as a fee.  Good luck to you.

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