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The car's insurance would kick in first because YOU gave them permission. Their insurance would pay for whatever is left over.

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Q: What if someone else drove your car caused damage only to your car can you ask him to claim the damage on his insurance?
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Can your insurance company not honor your claim for damages caused by non permitted construction?

It depends on the type of damage.


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Does homeowners insurance cover damage to your neighbor's property caused by tree roots from a tree on your property?

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Does a neighbors insurance have to pay you for fire damage to your property caused by your neighbor?

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