Doe my homeowners deductible come into play when I damage a neighbors light with my auto?

If you damage your neighbor's light with your vehicle, your homeowners insurance deductible does not typically come into play. Instead, the liability coverage included in your auto insurance policy may cover the cost of repairs or replacement of the damaged property. Liability coverage is a standard part of most auto insurance policies and is designed to protect you from financial responsibility in the event that you cause damage or injury to someone else while operating your vehicle. This includes damage to your neighbor's property, such as their light, fence, or mailbox. When you file a claim with your auto insurance company, they will typically send out an adjuster to assess the damage and determine the appropriate course of action. If the cost of repairs or replacement is less than your auto insurance policy's deductible, you will be responsible for paying that amount out of pocket. It's important to note that liability coverage typically only applies if you are at fault for the damage. If your neighbor's light was damaged due to a natural disaster, vandalism, or another event outside of your control, liability coverage may not apply. In summary, if you damage your neighbor's light with your vehicle, your homeowners insurance deductible does not typically come into play. Instead, the liability coverage included in your auto insurance policy may cover the cost of repairs or replacement. It's important to review your auto insurance policy and speak with your insurance agent if you have any questions about your coverage.