---
title: Does our HOA insurance cover other people's damage?
description: A friend of a neighbor had an accident on HOA property that was not their fault.  A ladder fell on their car and caused damage.  Who pays our insurance or are they covered under the auto insurance? 
---

[Condo Q&A ](https://www.condoassociation.com/blog)

# [Does our HOA insurance cover other people's damage?](https://www.condoassociation.com/blog/does-our-hoa-insurance-cover-other-peoples-damage)

 Written by [CondoAssociation.com](https://www.condoassociation.com/blog/author/condoassociationcom) | Sun, Jul 14, 2019 @ 09:09 PM

A friend of a neighbor had an accident on HOA property that was not their fault.  A ladder fell on their car and caused damage.  Who pays - our insurance or are they covered under the auto insurance?  New York.

[View full post](https://www.condoassociation.com/blog/does-our-hoa-insurance-cover-other-peoples-damage)

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