In Minnesota, an underage driver (child of a another tenant in building) crashed a car into a vacant garage stall. Four unattached to the building garage stalls out of six impacted by this. Caretaker advised that repair of the decimated stall must happen before removing any vehicle from a suspect stall. Caretaker's stall, which sustained severe damage located between the decimated stall and the one I rent. Caretaker advised existing garage doors likely won't even open and the structure is unstable. Curious if damage occurred in my stall, would pursuing a claim fall under Buildings Insurance, Renter's Insurance, or someone's Auto Insurance, mine, or the parent of the underage youth?
The legal guardians/parents' policy on a negligent supervision theory. Landlord insurance should have limits for this kind of damage as should homeowner. Not sure about renter's.
Maddy,
Generally the Insurance would follow the Vehicle if the vehicle was being used with permission. First thing determine who owns the vehicle. Second is to determine if the driver was using the vehicle with permission. If so, the claim would get filed to the Auto Insurance on the vehicle which caused the damage. if driver did not have permission (ie stolen car) the claim might be made again the driver or their parents. Also, the claim might be made againt the Landords policy and that Insurance company would go after the responsible parties.