Gil

I just can't believe what you've posted! The story about your "neighbor" is chilling.

Alan said that this is considered a collision loss, as you hit the side of a wall. The insurance company should pay for the damage, less your deductable. Your rates MAY go up, if the insurance company finds you are at fault - unless you can prove the other guy caused the accident as a result of his actions.

If you have additional other questions, Alan asked that you please call him so he can help in any way that he can.

I truly hope tomorrow is a much better day!