<prompt> Human: Thankfully no one was harmed, however there was extensive damage to my fence, deck, and yard. I had no idea what to do so I submitted a claim via my Home-Owners insurance. I contacted the other familys auto-insurance company and they actually submitted a claim yetserday as well. Its a Sunday, so naturally no one is really able to discuss details with me at either company.Obviously Id like to avoid covering this via my policy due to the deductible... but how do I make sure the other guys company doesnt try to screw me over? The impact to the deck didnt take the deck down, but it is definitely not level anymore and Im concerned about its stability overall...If theres a better subreddit for this please let me know.Edit: A couple pictures of damages as requested.Edit 2: Spoke to the police again. They advised that CPS will likely be visiting with the family in the near future. We could press charges immediately, but they said we have plenty of time to do that and might want to hold off and use that option if insurance somehow falls through... or if their minimum liability wont cover it and we have to sueprove wrongdoing on their part.Assistant: This is a case where your neighbors car insurance will be responsible. This will be covered under their property damage liability coverage. Depending on your state, the required amount of coverage can be low. If your state has low requirements and they carried the state minimums then your homeowners insurance would pick up the rest of the damage after your neighbors car insurance is exhausted.I suspect that your neighbor may be getting their car insurance non renewed in the near future since their 8 year old was a operating their car, and b hit a fence and deck it.Human: Or could sue for the difference between cost and their insurance.Assistant: I like this idea and think this will only be an issue as the deck wasnt totally destroyed but its definitely been warped. As the entire house shook violently enough that the neighbors Townhome felt it too Ill be upset if they dont pay to have someone assess the integrity of the entire structure.  <response>: Yes. Definitely need to get the whole thing looked over. 