Originally Posted by
speedlever
... I am checking with my homeowner's ins right now. ...
In your position, that is something I would have absolutely avoided doing, for fear of having my homeowner's insurance cancelled or my premium raised. The only time I would ever use my homeowner's insurance is if the house or its contents suffered multiple 10s of thousands of dollars damage.
The incident was not your fault, and none of your insurance policies should come into play, unless your insurance company is willing to subrogate.
__________________
"Far and away the best prize that life offers is the chance to work hard at work worth doing." --Theodore Roosevelt
Capo: 1959 Modell Campagnolo, S/N 40324; 1960 Sieger (2), S/N 42624, 42597
Carlton: 1962 Franco Suisse, S/N K7911
Peugeot: 1970 UO-8, S/N 0010468
Bianchi: 1982 Campione d'Italia, S/N 1.M9914
Schwinn: 1988 Project KOM-10, S/N F804069