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My 5yr old scratched our neighbors cars. Will our homeowners insurance cover this? |
It was definitely her on one of the cars (she wrote her name on it), but we are not positive about the other 2. The cars were not on our property, they were parked at our neighbors homes. Is this covered? I cannot find my policy and I want to know before I call my Insurance guy. Honestly, this is what they call a big, stinking gray area. Everyone in your household that is related to you is considered an insured when it comes to homeowners insurance. What the insured people do to other people's property or self is covered under homeowners insurance. HOWEVER, anything criminal (in this case, vandalism) or wrong that was done knowingly by an insured is specifically excluded. So this would come down to your insurance company answering the moral question of "Does a five year old understand right and wrong?". Most insurance companies really try to do the right thing when it comes to situations like these, but if I were you, I wouldn't count on it. They aren't going to be required to pay a cent so if they do, it's because they are just awesome. Source(s): I'm an insurance agent i suggest you move, like right now, before they open there garage and notice their cars, so run! run like the wind! dont look back Most likely not. Sounds like your 5 yr old has some issues. I see this one coming out of your pocket.Better keep a better eye on your kids.If I was your neighbor I would be suing you for a complete paint job. Your homeowners policy will cover damage to others' property on the liability portion of the policy. Depending on how the policy is written, you may discover that the deductable is larger than the actual damage. Talk to your insurance agent. Even if your homeowners does cover this sort of thing it may just be cheaper in the long run for you to pay the cost to have their car repainted out of pocket. Even if it's over a grand you will probably come out ahead sine homeowners insurance, like auto insurance, tends to go up, sometimes dramatically, when you make a claim, something to think about. Good Luck. |
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