A tree branch cracks a guest’s windshield in your driveway. Your instinct says file through your homeowner’s insurance, but that’s exactly the mistake that can spike your premiums and signal legal liability.
We break down the three insurance paths for guest property damage, reveal which phrases can accidentally admit fault, and explain why the guest’s own insurance should almost always be your first recommendation.
Key Takeaways:
✅ The guest’s auto or renters insurance should handle their property damage, not your homeowner’s policy
✅ Filing a claim through your insurance can be interpreted as admitting fault, even if you’re just trying to help
✅ Simple phrases like “I’m sorry this happened” can create legal liability in insurance disputes
✅ Simple phrases like “I’m sorry this happened” can create legal liability in insurance disputes
Related Links:
Company: https://www.tokeet.com/
Blogs: https://www.tokeet.com/blog/
Blog: Guest Property Damage Insurance: Who Pays When Things Break? 👉
