Can I make a claim on my neighbor's home insurance for damage to my car?

"At my townhouse complex, people access the residential parking lot through backyard fence doors. Due to my parking spot's location, I have to park my car very close to the doors. Recently, on a windy day, my neighbor's unclosed door flew open and hit my car, causing a dent. Will my neighbor's homeowners policy cover this damage to my car?

"

Answer
“Typically, if your vehicle is damaged while it’s parked, this would be a comprehensive claim under your auto insurance. But your neighbor could very well be liable for the damage caused to your vehicle in this situation. The damage would fall under their liability coverage on their homeowners policy.
Should their homeowners insurance company choose not to pay for the claim, you have the right to take them to small-claims court to help determine who is liable for the damage. “
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Alexah Grinnell
Answered on Apr 06, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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