Uninsured motorist crashed into my home


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Guest: 00:00 Yeah. And uninsured motorist hit the side of my house also damaged this fence. And I was wondering what course of action I can take to try to get money from him to do repairs.

Brian: 00:14 So I think you, and actually you and I actually talked this week didn’t we then, Gloria? I don’t think so. I thought we did anyway. What is going to tell you is I’m in Michigan, people have to carry insurance for their damage that they may do to property. And if this guy didn’t have any insurance, then there’s really nothing you can do. And I don’t think that your uninsured motorist coverage will cover your home.

Justin: 00:41 Do you have a homeowners insurance?

Brian: 00:43 She doesn’t

Guest: 00:44 No

Justin: 00:44 Ooh yeah.

Brian: 00:46 So how much damage was done to your home?

Guest: 00:49 Well, the one estimate that I got was 11,800 dollars

Brian: 00:56 You know are you employed

Guest: 01:00 Part time

Brian: 01:01 So what you can do if you have a tax preparer is you can take that as a casualty loss and that may give you, so some small measure of relief. But do, do you own a car

Guest: 01:14 Yes

Brian: 01:16 And do you have uninsured motorist coverage?

Guest: 01:17 I’m not sure. I’d have to look at my policy.

Brian: 01:20 You know, I, I’d be happy to take a look at it and see if maybe if policy is written. So that may allow you to cover something. If you want to give a call to my office this week and ask for Lauren and see if Lauren can meet with you and she’ll review all the documentation with me or with Justin and we’ll get back with you. Okay.

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