Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 23, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Boise, ID

Asked on 09/23/2010

Is my home owners or car insurance responsible if my son damages another persons car by accident? My son was in a car with a family friend and opened the passenger door just as another car was pulling in to park. There was damage to the car that was parking. I turned this into my auto insurance they won't cover they also said my home owners would not cover this either. Can you explain why one of these insurances shouldn't have to pay this?

Answer given on September 25, 2010

Damages involving autos is covered by automobile insurance.  However, in most states the insurance follows the car.  Since your son was apparently a passenger in the car, the damage to the other person’s car would be covered by the policy insuring the car being driven – your son’s friend.

You should talk to your insurance agent, but also talk to the friend and ask them to file a claim with their insurance company.  This would not go against the friend, so their rates will not be affected. 

The other person’s insurance could cover the damages, but there would be a deductible applied to the damage so the other person will most likely want the damages covered by the owner of the car.  Again, there would be no effect on the premiums of the car’s owner.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.