Common Problems With Vehicle Impact Claims
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Disputed responsibility and “who pays first” confusion
When a vehicle hits a home, there may be multiple insurers involved, including the driver’s auto policy, your homeowners policy, and sometimes a third party. That overlap can lead to delays while carriers argue about liability and coverage priority.
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Structural and foundation damage that is easy to underestimate
Vehicle impacts often cause more than visible wall damage. They can affect framing, load-bearing areas, and even the foundation. If the estimate only covers surface repairs, homeowners can get stuck fighting for full restoration once deeper issues are uncovered.
Utility line damage and safety issues
Impacts can damage gas, water, sewer, or electrical lines. Insurers may treat this as separate from the main structural claim or try to limit what they will pay for emergency services, inspections, and code-compliant repairs.
Utility line damage and safety issues
Impacts can damage gas, water, sewer, or electrical lines. Insurers may treat this as separate from the main structural claim or try to limit what they will pay for emergency services, inspections, and code-compliant repairs.
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Temporary living expenses and displacement disputes
If the home is unsafe, you may need alternative housing. Insurers may challenge the length of time you are displaced, what is considered “reasonable,” or whether the damage truly makes the home unlivable.
How Naiche Helps With Vehicle Impact Claims
Vehicle impact claims can be stressful, dangerous, and unexpectedly complex. Damage is often structural, and multiple insurance policies may be involved. Here’s how we take over the process and fight for a complete repair:
Prepare professional repair estimates that reflect full reconstruction needs, not patchwork fixes
Conduct detailed structural inspections to document visible and hidden impact damage
Negotiate to secure fair payment for repairs, code upgrades when required, and covered temporary living expenses
Identify safety concerns and coordinate documentation for utility line issues, framing damage, or foundation movement
Build a clear damage narrative that supports coverage and prevents insurers from downplaying the severity
Coordinate communication between involved insurance carriers when multiple policies apply
Our Process for Vehicle Impact Claims
1
Emergency Damage Assessment
We inspect the affected areas to identify structural damage, safety risks, and urgent repair needs after the impact.
2
Structural and Utility Documentation
We photograph and document all visible and hidden damage, including framing, foundation concerns, and any utility line issues.
3
Claim Preparation
We build a complete claim package with detailed repair estimates that reflect full restoration, not temporary fixes.
4
Insurance Coordination and Negotiation
We manage communication across involved insurers and negotiate for a fair settlement, including covered repairs and temporary living expenses.
Frequently Asked Questions About Vehicle Impact Claims
Can I get reimbursed for temporary housing if my home is unsafe?
If your policy includes Loss of Use or Additional Living Expenses, you may qualify. Insurers usually require documentation that the home is uninhabitable.
Will my homeowners insurance cover damage from a vehicle impact?
Often yes, but it depends on your policy and the circumstances. In many cases, your homeowners policy may cover repairs first while your insurer pursues reimbursement from the driver’s auto policy.
Who pays for the damage, the driver’s insurance or mine?
It can be either or both. The driver’s auto liability coverage may apply, but your homeowners insurance may step in to speed up repairs. Multiple policies can complicate and delay the process.
What should I do immediately after a vehicle hits my home?
Make sure everyone is safe and call emergency services if there is structural damage, a gas smell, or downed power lines. Take photos, prevent further damage if possible, and notify your insurance company.
What types of damage are common with vehicle impacts?
Structural framing damage, cracked foundations, broken windows, wall collapse, roof shifts, and damaged electrical, plumbing, or gas lines are common, even if the impact looks minor.
What if the insurance adjuster says the damage is “cosmetic”?
Vehicle impacts often cause hidden structural damage. A thorough inspection can reveal issues behind walls or within supports that require more than surface repairs.
What if the driver is uninsured or underinsured?
You may still have options through your homeowners policy. Your insurer may attempt recovery later, but you should not be forced to accept incomplete repairs due to coverage gaps.
How long does a vehicle impact claim typically take?
It depends on severity and how quickly liability is established. Claims involving structural repairs and multiple insurers often take longer than expected.
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