My son was pulling a boat on a trailer out of a friend’s yard and hit the neighbor’s truck. Would I be covered on any of my auto or home policies?

Answer:  It’s possible that you might have coverage. It depends on your son’s age, whether he is on your auto insurance policy or whether he would fall under the guidelines for your policy, as an occasional driver. I’m not sure that a home policy would come into play, unless you are in need of liability coverage.

However, this is a complicated situation. If it took place completely on private property, there may be some sticky legal implications. I’d recommend checking with a legal professional and then checking with an insurance specialist who is willing to speak to you “off the record” before you file a claim.