Tenant drove into building - which insurance pays?

[Nathan Gesner]

I believe I already know the answer but thought I would share and get other opinions.

Tenant was backing up to the building to load a piece of furniture. His foot slipped off the brake and hit the gas, slamming his back bumper into the side of the building. As you can see from the pictures, it pushed the door frame in so that the door no longer closes. I already got a bid and the repairs will be about $8,000. The good news? I was scheduled to replace this door and window anyway!

[Greg M.]

Had something similar happen (she hit the gate). Her auto insurance covered it. Not only did they pay to replace the gate, but it slightly damaged the very old motor. They fixed the motor which by code now required new safety features to be installed on the motor and the gate. They paid for the safety features. The old remote control system wouldn't work with the upgrades, so they paid for a new remote control system and two new remotes for everyone in the building. Best accident ever!