Person who owned the house reported to police, police traced our license number. It was at an old schoolhouse that my son thought was abandoned, turns out someone bought the place for a house and is living there. He drove through grass, and did a 360 in the lot then pulled back onto the road. When contacted by the police he admitted he had done it. We spoke to the owner of the house and he said if we take care of the damages there will be no charges. We have full coverage. Will insurance pay even when it is a situation where it was not really an accident?
2006-11-06 06:14:23 · 13 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Our plan was to make him pay for the damage - but then we got the estimates $2200 and $2600 - to level and resod the yard - he is in high school and only has a part time job - then we thought maybe he could go over and do the work - but the homeowner said no. He is really a pretty good kid, but he just lost his mind for a min.
2006-11-06 06:36:12 · update #1
Your insurance may pay, but your rates will go up quite a bit. The real question is why you are considering trying to have the insurance pay for your son's vandalism? Your son did the damage. It was not an accident! it was a purposeful act of damage to property that he did not own. No matter if he thought is was abandoned, or owned by someone is not material.
Your son committed a crime. The victims of his crime are willing to allow him to pay for the damage, rather than pressing charges (which would give him a criminal record and most likely he would still be ordered to pay for the damage). Your son should be required to pay! You are not doing him any favors in trying to get someone else to pay for his transgressions!
2006-11-06 06:28:54 · answer #1 · answered by fire4511 7 · 1⤊ 0⤋
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2016-09-25 00:03:30 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Doubtful! Read your policy because most insurance companies will not pay "will full", intentional, or instances where drugs, alcohol, or a crime is involved! You may have bought the farm on this one! Maybe he needs to get his own vehicle, own insurance, and start assuming responsibility as an adult! Been here and did this with mine also! Just different circumstances!
PS: I believe PLPD applies only to "accidents" and not intentional circumstances! Best way to find out is submit a claim to your insurance company! I'm sure they'll let you know if they are willing to pay! Will probably cancel your policy if they do or for surely raise the premiums!
2006-11-06 06:22:28 · answer #3 · answered by Anonymous · 0⤊ 0⤋
The PD part of PLPD is property damage, and since your son was driving with permission, they should cover it. But I would doubt they will pay for a compete work over of the yard. If he hit a car, and scratched one fender, they wouldn't pay for having the entire vehicle repainted, only the damage. Turn it in to your insurance and let them investigate and settle the claim, you stay out of it.
2006-11-06 07:59:47 · answer #4 · answered by oklatom 7 · 0⤊ 0⤋
I think it would be best if you made your son pay for this himself. When you go reporting things to an insurance company they are going to raise your rates. In the end it will cost you more than never reporting it. It can not be that big a deal to repairing the yard and it should be a learning situation for him. If you make the insureance company pay and they might, you will be the looser in the end.
2006-11-06 06:26:45 · answer #5 · answered by Thomas S 6 · 1⤊ 0⤋
Your insurance is for PLPD which is Public Liability and Property Damage. This is a clear cut version of property damage. The property owner needs to get an estimate of the damage and submit it ti your insurance company or agency.
2006-11-06 06:19:33 · answer #6 · answered by yes_its_me 7 · 0⤊ 0⤋
Insurance does not pay for intentional acts. Insurance only pays for accidents. Work out a settlement with the property owner. And, get it all in writing.
2016-09-11 09:39:32 · answer #7 · answered by car253 7 · 0⤊ 0⤋
Because it was a malicious act i believe your insurance company can deny payment. You may want to get an estimate first because your rates will go up and it may be cheaper in the long run and your son may learn a valuable lesson.
2006-11-06 06:31:31 · answer #8 · answered by Dave 3 · 0⤊ 0⤋
Well, if your policy carries an exclusion for intentional acts, they may not provide coverage. You should report it, and they will investigate, but read your policy. If your auto policy excludes lilability for intentional acts you're in trouble. If he's a minor, it's possible that maybe just maybe your homeowner's will cover his actions, but it's a stretch.
2006-11-06 09:31:59 · answer #9 · answered by Chris 5 · 1⤊ 0⤋
Nope. At least the company I work for won't. This was an intentional and criminal act. Cross your fingers and file a claim with auto and your homeowners.
2006-11-06 11:16:10 · answer #10 · answered by Anonymous · 0⤊ 0⤋