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Car Insurance Question  Our neighbor had been drinking and lost control of his vehicle damaging my daughter’s car parked in my carport, my carport and another car sitting in front of my house and my yard. The neighbor’s vehicle was not insured but he has another vehicle that is insured - both in his name at the same address. Is he still responsible for damages and can we file against his other policy? I live in Texas. He was arrested for DWI, hit and run and no proof of insurance.

No, unfortunately to the best of our knowledge you cannot place a claim against the policy for the other car that the owner has insurance on for the damages he caused with the uninsured car. The driver though should still be held responsible for the damages he caused.

To get the damages repaired you, and the other damaged parties may want to place claims against your own insurance companies through your collision coverages. As for the carport, this may need to be claimed through your homeowner's policy, check with your agent in regards to making a claim for this.

Alternatively, you may want to seek legal counsel to find out if you will have to take your neighbor to court and seek a judgment against him for the damages you sustained when he was drunk driving.

For consumer help with your situation you may want to contact the Texas Department of Insurance online or call their consumer hotline at 1-800-252-3439.

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This car insurance question was asked on 11/9/2006
This auto insurance answer was last updated on 11/21/2006
Betty requested this car insurance solution.
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