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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.

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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