While it may seem unusual, cars crash into homes more often than many people realize. In a large, fast-paced city like Houston, accidents can happen when drivers lose control, become distracted, or make reckless choices. A vehicle crashing into your home can be frightening and overwhelming. You might ask: “Who pays for the damage? What are my rights?” This blog breaks down what you need to know if a car crashes into your house in Houston, and when you may need to contact an attorney.
Why Do Cars Crash Into Houses?
Several factors can lead to a vehicle crashing into a home:
- Distracted driving: Drivers who are texting or using a phone may drift off the road.
- Drunk or drug-impaired driving: Impaired drivers often lose control of their vehicles.
- Speeding: High speeds make it difficult to stop or turn safely.
- Mechanical failure: Problems like brake failure can cause unexpected accidents.
- Medical issues: Health emergencies such as seizures or heart attacks can lead to loss of control.
Any of these situations can cause a vehicle to veer off the road and strike a house, garage, or other structure.
What Should You Do Right After the Crash?
If a vehicle crashes into your house, follow these steps to stay safe and protect your property:
- Call 911: Report the crash and request emergency services.
- Check for injuries: Make sure all family members are safe. If someone is hurt, ask for medical help.
- Avoid the damaged area: Stay clear of parts of your home that might be unstable or dangerous.
- Take photographs: Document the damage to your house, the vehicle, and anything else that could be important.
- Collect the driver’s information: If the driver remains on the scene, gather their contact and insurance details.
You may also need to contact city officials or utility services if there is damage to gas lines, electrical systems, or structural supports.
Who Is Responsible for the Damage?
In most cases, the driver is legally responsible for the damage caused by the crash. Their auto insurance should cover property damage through liability insurance. This coverage is meant to pay for harm caused to others, including damage to homes.
If the driver is uninsured or leaves the scene, you may need to file a claim through your homeowner’s insurance or your own auto insurance, especially if you carry uninsured motorist property damage coverage.
A Houston car accident lawyer can help you review your insurance options and determine the best path forward.
Does Homeowner’s Insurance Cover Car Crashes?
Most homeowner’s insurance policies include coverage for damage caused by a vehicle crashing into your home. However, there are usually deductibles and coverage limits that could affect how much money you receive.
Your policy may also help with:
- Temporary living costs if your home becomes unlivable
- Repair costs for damaged structures
- Debris cleanup and safety inspections
Review your policy closely and speak with your insurance provider. An attorney can help make sure your insurance company handles your claim fairly and completely.
Can You File a Lawsuit Against the Driver?
In some situations, especially if the damage is extensive or the driver was reckless or impaired, you may have the right to file a personal injury or property damage lawsuit.
This can help cover costs that insurance might not pay, such as:
- Expensive home repairs
- Lost or damaged belongings
- Emotional distress caused by the crash
A Houston personal injury lawyer can explain your legal options and help you determine whether a lawsuit is the right choice.
Contact the Undefeated Houston Car Accident Lawyers from Zehl & Associates Injury & Accident Lawyers for Help Today, Call 1-888-603-3636
A car crashing into your home is a shocking and stressful experience, but there are ways to get help. Whether you need to file an insurance claim, talk to the city about repairs, or hold a reckless driver accountable, you don’t have to face it alone. A Houston car accident lawyer can guide you through the process, protect your rights, and help you recover the compensation you deserve.
For more information, please contact our Undefeated car accident attorneys in Houston, Texas at Zehl & Associates Injury & Accident Lawyers to schedule a free consultation today.
We proudly serve Harris County, Midland County, and throughout the state of Texas. We are located in Houston and Midland and throughout the state of Texas:
Zehl & Associates Injury & Accident Lawyers – Houston
2700 Post Oak Blvd #1000, Houston, TX 77056
(888) 603-3636
Open 24 hours
Zehl & Associates Injury & Accident Lawyers – Midland
306 W Wall St Suite 701, Midland, TX 79701
(432) 220-0000
Open 24 hours