daystrom wrote: Say that football caused a dent and I knew who caused it, how would you turn this into an insurance claim?
The answer depends on the nature and location of the damage.
In the specific case you cite: You make a claim of vandalism You turn it in to the police (Since the responsible party did not stop in and give his ID) and treat it exactly as though some jerk threw a brick through the windshield while your rig was parked and not occupied.
If it's a paint exchange from a vehicle (Even a bicycle) hitting you while parked,
Same as any other hit and run in a parking lot.
PS. Under many policies, if your vehicle is LEGALLY PARKED (IE: On a campsite) the deductable may be waived.
Nothin adds excitment like something that is none of your business
Kenwood TS-2000 housed in a 2005 Damon Intruder 377
I would think that the person or people who caused the damage could be held liable for their actions. The campground might be named if they knowingly failed to enforce their posted rules.
My real concern is: Why would you or your son consider filling a false insurance claim? Would you also consider filling a false police report or DMV report if such was required?
I'm sure you woul not, and as stated, this thread is intended to promote conversation.
Like Joe Friday used to say: "Just the facts..."
I suspect your homeowners policy, the reason I come to this is we are full timers, and have a full timers RV policy the Difference is that it acts like a home policy, regarding liability, lets suppose someone trips on my sewer hose,at my campsite. well my Auto is not interested in that loss. However my RV (full timers) policy would handle the issue. Also have a policy on my house (currently renting to renters) that only covers my loss at house location. I also agree if it was any real damage, find the kids folks an exchange info an let the carriers work it out..Like your thinking out of the box though.
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What if people don't own a home, therefore no homeowners policy? I would say if a kid damages your vehicle then their parents are responsible. They either take care of it out of their wallet or they make a claim through their insurance. It should not affect your insurance unless you do not know who did it. And even then , you will decide how you want to handle it. As someone said, it's best left up to an insurance agent. Or even better, a lawyer if warranted. You can always call the local police/sheriff and have them do a report of damage. Many insurance companies may require it and it will be helpful I'm any legalities. Even if you feel that the kids parents are going to take care of it. I would have a report done.
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2010 Keystone Sprinter Select 31BH
2001 Coleman Santa Fe
wbwood wrote: What if people don't own a home, therefore no homeowners policy? I would say if a kid damages your vehicle then their parents are responsible. They either take care of it out of their wallet or they make a claim through their insurance. It should not affect your insurance unless you do not know who did it. And even then , you will decide how you want to handle it. As someone said, it's best left up to an insurance agent. Or even better, a lawyer if warranted. You can always call the local police/sheriff and have them do a report of damage. Many insurance companies may require it and it will be helpful I'm any legalities. Even if you feel that the kids parents are going to take care of it. I would have a report done.
Simple, if you don't own a home, you have no coverage. Does not relieve you of the responsibility to make the one who received the damage whole. If the one who received the damage has to sue and wins, the one causing the damage gets to pay the cost. If there is confusion on who is responsible, that is what the courts are for. With homeowners coverage, you have a Insurance Co. paying the attorney and court costs instead of yourself.
And by the way, there is NO DEDUCTIBLE to liability covereage on a Homeowners Policy.
Jumping in late with little value --
FYI, if you have sufficient liability coverage on your home-owners policy now, most insurance companies will quote you a very favorable rate for "excess liability" up to $1,000,000.00 for a few hundred dollars a year.
In today's medical world it doesn't take much to blow through $300,000. I sleep a little better knowing that all I've worked for is relatively safe from ravenous vultures known as lawyers.
Bob & Carla
Josh & Emily
mostly Lab mix Eryn
Chase is waiting for us at the Bridge
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2011 Jayco 308 RES
Two years ago, one of my neighbors at the lake had a party. My truck got hit by a golf cart, driven by the nine year old son of a drunk guest (who was in the passenger seat). They tried a hit and run (on an island --- that didn't work out so well for them....)
Anyway, back to the story.... The golf cart was owned by the host of the party. To complicate matters further, my neighbor was a liquor distributor, who was hosting the party for his clients (who all owned liquor stores or bars).
btw, I'm a retired lawyer....and I work for an insurance company
I filed claims against six different insurance carriers, who fought it out (over about $2,000 in damages.)
1. The auto insurer of the drunk.
2. The homeowner's insurance of the drunk.
3. The auto insurer of the host.
4. The homeowner's insurance of the host.
5. The general liability carrier for the business of the host.
6. The general liability carrier for the business of the drunk.
Guess who ended up paying?
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2012 Ford 350 King Ranch DRW 4x4
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atfulldraw wrote: the correct answer is the homeowners policy.
Here's one for you......
Two years ago, one of my neighbors at the lake had a party. My truck got hit by a golf cart, driven by the nine year old son of a drunk guest (who was in the passenger seat). They tried a hit and run (on an island --- that didn't work out so well for them....)
Anyway, back to the story.... The golf cart was owned by the host of the party. To complicate matters further, my neighbor was a liquor distributor, who was hosting the party for his clients (who all owned liquor stores or bars).
btw, I'm a retired lawyer....and I work for an insurance company
I filed claims against six different insurance carriers, who fought it out (over about $2,000 in damages.)
1. The auto insurer of the drunk.
2. The homeowner's insurance of the drunk.
3. The auto insurer of the host.
4. The homeowner's insurance of the host.
5. The general liability carrier for the business of the host.
6. The general liability carrier for the business of the drunk.
I'm guessing #5, don't most homeowners policies preclude business use of the home? Also, since your truck was on private property and not in use, liability would not be handled by auto. Like to hear your answer and the explanation, if possible.
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