You had several of your son's friends over last night for a sleepover. While dropping off their child, one of the parents did not see your basketball hoop and smashed it beyond repair with her car. Where would you look for damage payment?

Question

Quizplus · Accepted Answer

The driver's automobile liability coverage would typically provide coverage for damages caused by the driver to another person's property, including the basketball hoop in this case. Homeowner's insurance policies generally do not cover liability arising from the use of a vehicle, while comprehensive and collision insurance would typically only apply if the driver's own vehicle was damaged. Section II of a homeowner's insurance policy usually covers personal liability, but again, this would not typically apply to damages caused by a vehicle.

You Had Several of Your Son's Friends Over Last Night