@jmann9784 If you have a broker I would definitely speak with them first. The point of insurance is to cover losses. This would be a different situation if say you drove into your own fence or garage door etc. it’s hard for me to say as I don’t personally underwrite policies for personal lines...
@jmann9784 Typically you would make a claim through your home insurance first. Your insurance company will then reach out to the driver’s insurance company to pursue subrogation through their liability coverage on the auto policy. I feel getting a lawyer would be a waste. Hope this helps...
