Likely his. Report the incident to your carrier.
Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and educational purposes only. No attorney client relationship has been formed or should be inferred. Please speak with a local and qualified attorney. I truly wish you and those close to you all the best. Jeff www.nyelderinjurylaw.com
We just won a case where the found the owner 60 % at fault and the snow removal company 30% at fault. (The woman who fell was 10%). Fortunately in your case no one was injured. Your own insurance company will pay your car and fence damage. I hope it wasn't our parking lot :).
Please note that these answers are provided as a community service and are not meant to create an attorney-client relationship.
Your husband would simply report this to his insurance company to resolve.
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