Does auto insurance cover damage to someone's lawn?

Who would cover this, my car insurance or their homeowner's insurance? I hydroplaned into someone's yard the other day. I wasn't speeding, didn't get a ticket, and my car isn't even really damaged. But I wrecked their lawn.

Answer
“Any damage done to the lawn would be covered by the property damage coverage on your policy.
Even though you didn’t damage your car, you can still file a claim.
The homeowner’s policy may cover the damages to the lawn, but since you are at fault for the damage, they would contact your car insurance carrier to be reimbursed.
If possible, have the homeowner get an estimate for the cost of the damage. If it is within your means to pay for the damage out of pocket, it would be best to do so. This way, you can avoid an increase in the cost of your auto insurance policy.
If you’re worried about the cost of your car insurance, try using the free Jerry app to help you find the lowest rates from the top companies in the nation in under a minute.”
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Shannon Martin
Answered on Jul 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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