Would the homeowners policy pay for damages to my vehicle while parked in the driveway? There is no insurance on the girl driving the stolen car and the policy on that car has already denied my claim (because it was involved in a crime and no permission had been given to the girl to drive it). I canceled collision on my car because it's been paid for for quite some time. So I'm hoping that the homeowners insurace for the property I was parked at may cover the damages.
2007-01-28 04:22:25 · 6 answers · asked by Suzanne R 2 in Business & Finance ➔ Insurance
Your friend's Homeowner's policy will not cover this type of claim under the Liability portion, as they are not legally liable for what happened. Some Homeowner's policies have a Voluntary Payment for Property Damage coverage, which is used to pay for damage to another person's property which the insured was involved with but would not be held legally liable for (although by the sound of the situation I'm not sure if this section would apply). However not every company offers this, plus the limit is usually pretty small (I doubt it would be enough to cover all of your damages), plus even if your friend agreed to file a claim under this, they will soon become an ex-friend when they discover they have lost their claims free discount on renewal, so I don't recommend going this route.
Call your broker/agent (ASAP) and confirm if you have some sort of protection for uninsured vehicles/motorists, or check your own policy if you feel comfortable. If you do, then file a claim with your company. The limits for property damage and bodily injury/death vary with each state/province/territory, so check with your local agent/broker, and don't rely on numbers given on this forum (since you didn't mention where you live), any figures given on this forum may not be applicable where you live (auto insurance is not a federal jurisdiction). If you do not have this coverage, I'm afraid you will have to hire a lawyer.
2007-01-28 07:28:38 · answer #1 · answered by Gambit 7 · 0⤊ 0⤋
Unfortunately the friends HO policy will not pay for the damage to your vehicle because the damage was not caused by the negligence of your friend. Your HO policy will not pay because vehicles are not covered property. Since you dropped collision your auto polcy will not pay but that is where the coverage belongs. The last option would be if you have Uninsured motorist property damage coverage (UMPD) on your auto policy. This coverage pays up to $3,500. for your car if you have no collision coverage and the damage was caused by an uninsured motorist, which is the case. The coverage is pretty cheap, less than $100. Good luck!
2007-01-28 04:37:02 · answer #2 · answered by california bill 2 · 0⤊ 0⤋
Homeowner's doesn't cover it, because they were not liable for the damages.
If you have Uninsured Motorist Property Damage (UMPD) that will cover it...but UMPD is not available in all states.
You said the girl herself doesn't have insurance. But if she lives with someone else who does have insurance, she would be considered a resident relative and may be covered under their policy.
Additonally, continue to monitor the status of the theft claim. Sometimes cases are initially called thefts, but turn out not to be (a couple is fighting and one reports the car stolen, or it turns out she did have permission, etc). If that is the case, appeal to the insurance company to review the claim for payment.
2007-01-28 11:46:54 · answer #3 · answered by jerry 5 · 0⤊ 0⤋
the home owners were not responsible for this they were being nice letting you park the vehicle their so no there insurance wont cover it but the guy fleeing in the car and the insurance company for the car he has covers this i had my car stolen and it was crashed into another car and my insurance covered both cars plus you should have your insurance company take responsibility for getting your damage paid for why would you want to lose a friend by making their insurance premiums go up that was an option you should have never even considered that is what is wrong with america
2007-01-28 04:33:21 · answer #4 · answered by wylted 3 · 0⤊ 0⤋
HO policy does not pay as it was an auto. If you have uninsured motorist property damage - UMPD (which is not the same as uninsured motorist coverage, that covers injury) it would cover it, otherwise you are out of luck.
2007-01-28 10:23:08 · answer #5 · answered by mamatohaley+1 4 · 0⤊ 0⤋
You car is covered under the uninsured/underinsured portion of your policy.. Contact you insurance company..
2007-01-28 04:32:21 · answer #6 · answered by psstoffagain 5 · 0⤊ 0⤋