If your vehicle was involved in a accident....?

Question

If your wife or husband, intenionally drove your car into a metal dumpster and damaged the car pretty bad, will the insurance company still cover the damages.

Answer 1

Collision coverage pays for damage to your vehicle.

If your wife is a resident of your household - and she tells the company that she hit the dumpster on purpose - then the insurance probably will not cover - there is an exclusion for intentional acts.

If your wife was just mad at you and backed into the dumpster as she was leaving (did not aim to hit it and do it on purpose) then your collision coverage would pay for the damage to your car and your liability coverage will pay for the damage to the dumpster. This will be considered an at fault accident. Your rates will go up.

Answer 2

Not likely, no.

Even if you have the correct coverage (collision), here's how it works:

1. Was the person "allowed" to drive the car? If they're on the policy, that's a given. If not and they've driven it in the past, or are living in your household...they might as well be YOU driving that car.

2. Collision coverage has an exclusion for intentional acts. If you ram somebody or an object, they will refuse payment.

The only way they'd possibly pay for this is if you and the spouse are 1. separated and at different addresses, and 2. you reported the vehicle as stolen to the police. This won't work for you if you are just fighting spouses. Faking it won't cut, either...your insurance knows who lives in your house and who doesn't...that and filing a false police report is a felony.

That stinks. I am sorry your spouse is so irresponsible he/she would do something like that!

Answer 3

Only reason they wouldn't is if they had a police report with the driver under the influence. Otherwise they can't exactly prove you did it intentionally.