How does this work...son hit neighbors garage with car
Neighbor asks how do I want to handle it, asks if we have auto insurance and I say yes, but I may want to pay out of pocket rather than going through our auto insurance. My son was just added 2 weeks ago to my insurance, I don't know how this would affect his already expensive rate!! yikes.
We have detached garages that are basically old car ports that were enclosed.
They said the are going to contact their homeowners insurance to ask them what they are supposed to do.
So how does that work if they contact their homeowners insurance? Who determines who does the repairs etc?
Will I even have a choice to not get my insurance involved, will their homeowners contact me to get my auto insurance info to contact them directly??