Auto Insurance Guest Driver
Is my neighbors homeowners policy responsible for their drunken guests hitting my car?
Our neighbors had a party last night and this morning, my car has a dent in the side and I can’t even open the driver side door. They neighbor won’t own up to it, just says that “maybe someone at their party got drunk and hit it without realizing it.” Is their homeowner’s policy’s liability responsible for this? Or if they are renter’s, is their landlord? I can’t get anyone to confess to get auto insurance information. But the way it was parked, they are the only possible culprit. Any advice?
I am not a lawyer, but I think that unless you can prove negligence on their part you won’t be able to get their insurance company to pay. It may have to be your own insurance that covers the damage unless you can find out who actually did the damage.
