Insurance - Car rolled into a house...no driver involved. What to do?

Long story short, i live on a hill and somehow i forgot to put the e-brake on. My subaru wagon rolled down the street into a trailer and then drove into a neighbor's house. It did almost no damage to the house as it hit a porch post which took 99% of the impact. The question is what should i do? Will my insurance cover this? I have progressive and was fully insured (collision and comprehensive). Would this accident fall into comprehensive? I can't find ANYTHING relating to an accident like this in my policy and there is for sure no mention of anything like this in the exclusions portion of the policy. If i report the accident and they refuse to pay out, then my insurance will still go up...this is why i am wondering what they will do before i report is and whether or not it would be better to not report the incident and eat the 8k than spend the next few years paying it back in the form of higher insurance rates. Also,it is an $8000 car and is for sure totaled. Thanks in advance.

-Brandon

I suspect it would be coverered under the liability portion of your policy for the property damage and under either the comp or collision for the damage to your vehicle. It's possible the property damage could be covered by the liability coverage in your homeowner's policy, too, since you were not at the wheel. Afraid your two choices are to consult with an attorney or fess up with the insurance company. Only you know if eating the 8k is better in the long run.

My layman's $.02 worth.

Between the trailer and the house, you're certainly in this for more than the cost of your car. Liability insurance will cover the damage caused by your vehicle, though I agree with tow guy that I'm not sure whether auto or homeowner's insurance would be the primary. It would be your comprehensive and collsion from your auto policy that covers your car. Get some estimates for the house and trailer fast, if you do bring in your insurance company, they're always happier if you do it right away rather than later.

I don't know anything about Progressive. Some companies don't raise the rate for just one accident. Others will "raise the rates" by taking away the safe driver discount. In any case, your rates won't go up for $8k. They'd go up the same no matter if it was $1k or $100k.
Go ahead and report it. Thats why you have insurance!

Wow, we're sure glad you told us that, constad. They're doing so good that they can't afford to PAY for advertising.

Go away.:thumbdn:

You're car is covered by the "comprehensive" portion of your policy.

The trailer and home are covered by the "Property Damage" portion of your policy.

If you are rated as a top tier driver you may only get surcharged for the accident. If you already had any tickets/accidents then you would get charged points and your rates would go up.

Check the PD portion of your policy to see if you have enough there.