I shared this on the main board but thought some of you here may have some insight or advice if you deal in insurance. .
It snowed about an inch here Wednesday and has been cold so it was still on the ground. The roads were clear though. So I fell asleep on the couch last night and about 1:00 something woke me up. I got up and went to check on my wife and little girl and they were both fine. I look around the house and see nothing. So I'm about to go to bed when I see a light blinking through my blinds in front of my house. I open them and see headlights about four feet in front of my front porch (street is a good 60 yards from the porch to the road). Some drunk ran off the road and almost hit my house. So I call the cops and am trying to decide on whether to get this guy out of the truck or just wait for the cops to get there. I could see him so wasn't too concerned that he was hurt (wasn't too concerned anyway tbh). All of a sudden he tries to back up, turns around, and makes for the road, spinning all the way in my snow covered yard. I'm outside yelling at him at this point but there is mud just covering the entire front of my house. It is on my porch posts, the windows, the brick, front door, everywhere . On the windows with screens it has completely gone through the screens and just covered the window. The yard is destroyed. We built here about four years ago and I have worked hard to get a decent looking yard (which I have). Now, the part he destroyed is only a small part of the yard but it is the front part, right by the road. Anyway, once he got stuck I went back in to call the police because they told me to if I found out the condition of the driver (obviously he was fine). So he stumbles to my door and I tell him to get back in his truck and wait for the cops. I figure at this point nothing that happens in a confrontation will benefit me. So after the cops sort this all out at about 3:00 in the morning he is obviously arrested but I have no idea about much else because the idiot locked his keys in his truck with everything else. So they towed it away but couldn't get it open.
Anyway, the insurance (for my home) was closed today because of all the snow but does anyone know how that works? I'm assuming they can file a claim and go after him. However, am I going to have to pay a deductible and does anyone know if stuff like this (yard) is even covered. I can pressure wash the house but the yard is jacked up bad.
Also, does his car insurance (if he has it) cover anything like this? I pick up the report for it next week sometime.
I have a lawyer that will help me out there. I just haven't contacted him yet.
It snowed about an inch here Wednesday and has been cold so it was still on the ground. The roads were clear though. So I fell asleep on the couch last night and about 1:00 something woke me up. I got up and went to check on my wife and little girl and they were both fine. I look around the house and see nothing. So I'm about to go to bed when I see a light blinking through my blinds in front of my house. I open them and see headlights about four feet in front of my front porch (street is a good 60 yards from the porch to the road). Some drunk ran off the road and almost hit my house. So I call the cops and am trying to decide on whether to get this guy out of the truck or just wait for the cops to get there. I could see him so wasn't too concerned that he was hurt (wasn't too concerned anyway tbh). All of a sudden he tries to back up, turns around, and makes for the road, spinning all the way in my snow covered yard. I'm outside yelling at him at this point but there is mud just covering the entire front of my house. It is on my porch posts, the windows, the brick, front door, everywhere . On the windows with screens it has completely gone through the screens and just covered the window. The yard is destroyed. We built here about four years ago and I have worked hard to get a decent looking yard (which I have). Now, the part he destroyed is only a small part of the yard but it is the front part, right by the road. Anyway, once he got stuck I went back in to call the police because they told me to if I found out the condition of the driver (obviously he was fine). So he stumbles to my door and I tell him to get back in his truck and wait for the cops. I figure at this point nothing that happens in a confrontation will benefit me. So after the cops sort this all out at about 3:00 in the morning he is obviously arrested but I have no idea about much else because the idiot locked his keys in his truck with everything else. So they towed it away but couldn't get it open.
Anyway, the insurance (for my home) was closed today because of all the snow but does anyone know how that works? I'm assuming they can file a claim and go after him. However, am I going to have to pay a deductible and does anyone know if stuff like this (yard) is even covered. I can pressure wash the house but the yard is jacked up bad.
Also, does his car insurance (if he has it) cover anything like this? I pick up the report for it next week sometime.
I have a lawyer that will help me out there. I just haven't contacted him yet.
