Insurance

[all]

My neighbors garage caught on fire and my car was burned 40% while parked. Who do j file a claim with? I don't want to file with my car insurance because of the rates so is there any way to file with the neighbors house insurance?

 

[davelew86]

@all Your only real option is your insurer.

 

[profe]

@davelew86 You file with your insurance and they will contact your neighbors insurance company.

 

[davelew86]

@profe Where’s the neighbor’s negligence?

 

[profe]

@davelew86 The insurance company can fight that out that’s what we pay our insurance for.

 

[davelew86]

@profe I don't think you understand what negligence is or how subrogation works.

The chances of the OP's insurer contacting the neighbor OR their insurer are minimal at best. Unless there's some sort of actual negligence here, the OP is going to have a not-at-fault Auto claim and be out their deductible.