Stolen seats not covered under comprehensive ins?
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From: socal
Insurance cant just exclude coverage if they think 'homeowners/renters insurance SHOULD cover it.' I highly doubt there is a section in their policy stating such an exclusion. Talk to the adjuster's supervisor, or the claims manager. This is SOOOO covered by comp.
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Originally Posted by RyanS2000,Aug 5 2005, 07:30 AM
This is why you need to make sure you pick a reputable insurance company and not just what is cheapest. I work for Progressive Insurance and would have covered it unless there's something he's not telling us.
Not really a surprise that they're having a hard time dealing with the insurance company after something did happen. I guess they were just asking for it.She faxed me her ins. papers; I'm doing everything for her now. I read it and I"m 100% confident that the ins. company has to cover it. I just hope this will end ASAP.
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From: Rancho Palos Verdes
A quick call to the state's insurance commissioner will resolve it. In most states, they will call the insurance company and get it resolved for you.
My sister had a problem with an insurance company declining repairs in Georgia and after the call to the Insurance Commissioner, it was approved in like 2 days. Not sure how it would be in Massachusetts (I mean...what's with Ted Kennedy??) Are they nuckin futs?
My sister had a problem with an insurance company declining repairs in Georgia and after the call to the Insurance Commissioner, it was approved in like 2 days. Not sure how it would be in Massachusetts (I mean...what's with Ted Kennedy??) Are they nuckin futs?
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From: Huntington Beach
This is getting a little ridiculous. Sometimes in the event of a lost there is more than one policy that could be looked to for coverage. IE you are driving your friends car and you have an accident. In that instance assuming you that you were not violating any of the conditions in both insurance contracts there would be coverage availabe under your own policy as well as the friends policy. The issue is who's is primary and who's is seconday. In this scenario the friends policy (the one who insures the car) would be primary and the driver's coverage would be secondary. Coverage always follows the vehicle.
Thus the only way this company could avoid paying for this loss would be if there was other coverage that was available and was in fact primary for this loss. I don't believe that a homeowners policy would provide any coverage for this loss as the last time I looked at one they all had language specifically excluding loss to motor vehicles vehicles. And even if there was coverage it would certainly be secondary to the coverage included on the auto insurance contract. I would be really surprised if the adjuster was suggesting that the Auto insurance contract was secondary. If they are then they are very confused. Most of these insurance policies have very similar language in them.
If in fact the adjuster is suggesting this you might want to remind him of the potential penalties for bad faith.
The bottom line here is that what your insurance companies is obligated to do in the event of a loss is clearly stated in your insurance contract. Auto insurance contracts are not that complicated and usually leave little room for interpretation.
Read your contract.
Thus the only way this company could avoid paying for this loss would be if there was other coverage that was available and was in fact primary for this loss. I don't believe that a homeowners policy would provide any coverage for this loss as the last time I looked at one they all had language specifically excluding loss to motor vehicles vehicles. And even if there was coverage it would certainly be secondary to the coverage included on the auto insurance contract. I would be really surprised if the adjuster was suggesting that the Auto insurance contract was secondary. If they are then they are very confused. Most of these insurance policies have very similar language in them.
If in fact the adjuster is suggesting this you might want to remind him of the potential penalties for bad faith.
The bottom line here is that what your insurance companies is obligated to do in the event of a loss is clearly stated in your insurance contract. Auto insurance contracts are not that complicated and usually leave little room for interpretation.
Read your contract.
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Originally Posted by OC1515,Aug 5 2005, 03:58 PM
This is getting a little ridiculous. Sometimes in the event of a lost there is more than one policy that could be looked to for coverage. IE you are driving your friends car and you have an accident. In that instance assuming you that you were not violating any of the conditions in both insurance contracts there would be coverage availabe under your own policy as well as the friends policy. The issue is who's is primary and who's is seconday. In this scenario the friends policy (the one who insures the car) would be primary and the driver's coverage would be secondary. Coverage always follows the vehicle.
Thus the only way this company could avoid paying for this loss would be if there was other coverage that was available and was in fact primary for this loss. I don't believe that a homeowners policy would provide any coverage for this loss as the last time I looked at one they all had language specifically excluding loss to motor vehicles vehicles. And even if there was coverage it would certainly be secondary to the coverage included on the auto insurance contract. I would be really surprised if the adjuster was suggesting that the Auto insurance contract was secondary. If they are then they are very confused. Most of these insurance policies have very similar language in them.
If in fact the adjuster is suggesting this you might want to remind him of the potential penalties for bad faith.
The bottom line here is that what your insurance companies is obligated to do in the event of a loss is clearly stated in your insurance contract. Auto insurance contracts are not that complicated and usually leave little room for interpretation.
Read your contract.
Thus the only way this company could avoid paying for this loss would be if there was other coverage that was available and was in fact primary for this loss. I don't believe that a homeowners policy would provide any coverage for this loss as the last time I looked at one they all had language specifically excluding loss to motor vehicles vehicles. And even if there was coverage it would certainly be secondary to the coverage included on the auto insurance contract. I would be really surprised if the adjuster was suggesting that the Auto insurance contract was secondary. If they are then they are very confused. Most of these insurance policies have very similar language in them.
If in fact the adjuster is suggesting this you might want to remind him of the potential penalties for bad faith.
The bottom line here is that what your insurance companies is obligated to do in the event of a loss is clearly stated in your insurance contract. Auto insurance contracts are not that complicated and usually leave little room for interpretation.
Read your contract.
Also alot of times auto policies will require that a homeowner's pay out first. For example, I live in Florida. Last year my friends car had a palm tree fall on it from Hurricane Jeanne. His auto insurance also told him that the car would be covered under homeowner's and it was.
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From: Concord, CA
Z4EC: I have some questions for you:
Did your mom's friends son got comprehensive insurance for the car?
What's the insurance company name that denied paying for stolen seats?
I just cannot imagine any insurance company would refuse to pay stolen seats under the comprehensive insurance; unless your mom's friend did not get the comprehensive coverage for the car.
Please provide us more information. Some thing is wrong with this story you are telling us.
Cheers,
Did your mom's friends son got comprehensive insurance for the car?
What's the insurance company name that denied paying for stolen seats?
I just cannot imagine any insurance company would refuse to pay stolen seats under the comprehensive insurance; unless your mom's friend did not get the comprehensive coverage for the car.
Please provide us more information. Some thing is wrong with this story you are telling us.
Cheers,