OK so are we saying if someone drives their car into my house and my house falls down, the person's car insurance company is not liable even if it was their fault? How do you deem someone to be at fault?
Proven speeding at the time = fault? Does that mean insurers can void the claim and make someone pay for a house? At that point I would have to claim on my insurance and take them to court? How does it all work!?
This actually happened to me (house didn't fall down though).
We claim from our insurance who then, once everything is settled and fixed, they claim from the owner of the vehicle. The insurance companies then either agree and settle, or go to court and argue the costs.