I just got back to the mall with my mom. While we were their my brother's car, he has my mom's, got broken into. The question my dad has does it go on our insurance or his?
My opinion is: his, because we were not driving at the time and it was just sitting in a parking lot and it was his car that got broken into.
Any and all answers would be great!
Thanks
2006-10-14 14:56:42 · 14 answers · asked by eviesspecialbuddy 1 in Cars & Transportation ➔ Insurance & Registration
Let me clarify, my brother's car got broken into
2006-10-14 15:09:43 · update #1
The insurance on your brother's car covers it. Tell your dad insurance follows vehicles, not people. Your brother needs to carry comprehensive coverage in order for this to be covered. Also, please note- a lot of things won't be covered. Theft of personal items are not covered (for example, clothing, cd's sunglasses). If a permanently installed radio or other equipment were stolen they should be covered. Items damaged when the car was broken into like windows, locks, etc. will be covered as they are part of the vehicle.
2006-10-15 07:50:29 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
Insurance follows the car, not the person who's care it is in. The claim would be filed with the insurance company who is actually insuring your brothers car. It would be considered a comprehensive claim and he would be reimbursed for any damages done to his car less the policy comprehensive deductible. Comprehensive claims are non-surchargable, and shouldn't raise your insurance premiums.
2006-10-14 16:07:41 · answer #2 · answered by Rexy 3 · 0⤊ 0⤋
you will be accountable. somewhat some shops will submit indicators or its interior the high-quality print of the restore order you signed that states that the corporation isn't responsible for misplaced or stolen products. a solid corporation proprietor might provide you a coupon on restore on your window, yet a mall parking zone is public and for this reason in no way risk-free for a vehicle exceptionally at nighttime. you may could chew the bullet in this one and chalk it as much as an unlucky situation
2016-12-13 08:22:55 · answer #3 · answered by ? 4 · 0⤊ 0⤋
Insurance always follows the car...your brother's comprehensive will cover the break-in.
2006-10-14 15:26:31 · answer #4 · answered by Anonymous · 1⤊ 0⤋
depending on the extent of damage that was done to the veh when it was broken into like any windows broken, or any items taken that were attached to the auto would need to be filed under your brothers auto policy.Any items that were taken out of the car that were considered personal such as cd's, wallet or any items not attached to the veh would need to be filed under a homeowners policy.
2006-10-15 06:37:18 · answer #5 · answered by D.L. 4 · 0⤊ 0⤋
Your brother's insurance covers the vehicle, regardless of the circumstances. Any personal property stolen from it might also be covered by his homeowner's or renter's insurance.
2006-10-14 15:54:54 · answer #6 · answered by Bostonian In MO 7 · 1⤊ 0⤋
Who ever is the owner of the car is who's insurance it should go through.
2006-10-14 15:05:24 · answer #7 · answered by Moon 5 · 0⤊ 0⤋
If your Mother had wrecked the car, her liability insurance would have paid.
But a breakin is different.
Whoever owns the car is responsible. Their 'comprehensive' insurance would pay, after the deductible.
In some case's, a homeowners policy would cover personal properrty stolen.
2006-10-14 15:06:46 · answer #8 · answered by Anonymous · 0⤊ 3⤋
Insurance goes with the vehicle, not with the driver. Always.
2006-10-14 22:26:45 · answer #9 · answered by oklatom 7 · 0⤊ 0⤋
It would be your brothers, due to the fact there was no driver, so it would fall under the owners policy, in this case your brother.
2006-10-14 19:39:02 · answer #10 · answered by brandiwine72 3 · 0⤊ 0⤋