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| *Loan,banking and credit>>>property insurance |
My son drove through someones yard (on purpose) will our auto insurance cover the property damage to the yard? |
Person who owned the house reported to police, police traced our license number. It was at an old schoolhouse that my son thought was abandoned, turns out someone bought the place for a house and is living there. He drove through grass, and did a 360 in the lot then pulled back onto the road. When contacted by the police he admitted he had done it. We spoke to the owner of the house and he said if we take care of the damages there will be no charges. We have full coverage. Will insurance pay even when it is a situation where it was not really an accident? Your insurance may pay, but your rates will go up quite a bit. The real question is why you are considering trying to have the insurance pay for your son's vandalism? Your son did the damage. It was not an accident! it was a purposeful act of damage to property that he did not own. No matter if he thought is was abandoned, or owned by someone is not material. Your son committed a crime. The victims of his crime are willing to allow him to pay for the damage, rather than pressing charges (which would give him a criminal record and most likely he would still be ordered to pay for the damage). Your son should be required to pay! You are not doing him any favors in trying to get someone else to pay for his transgressions! Source(s): 27 yearsin the auto business Your insurance is for PLPD which is Public Liability and Property Damage. This is a clear cut version of property damage. The property owner needs to get an estimate of the damage and submit it ti your insurance company or agency. yes your insurance should cover it. you will have to pay your deductible though. it's hard to say though if you have a high risk ins. the top three would pay though. state farm, american family and all state Doubtful! Read your policy because most insurance companies will not pay "will full", intentional, or instances where drugs, alcohol, or a crime is involved! You may have bought the farm on this one! Maybe he needs to get his own vehicle, own insurance, and start assuming responsibility as an adult! Been here and did this with mine also! Just different circumstances! PS: I believe PLPD applies only to "accidents" and not intentional circumstances! Best way to find out is submit a claim to your insurance company! I'm sure they'll let you know if they are willing to pay! Will probably cancel your policy if they do or for surely raise the premiums! I think it would be best if you made your son pay for this himself. When you go reporting things to an insurance company they are going to raise your rates. In the end it will cost you more than never reporting it. It can not be that big a deal to repairing the yard and it should be a learning situation for him. If you make the insureance company pay and they might, you will be the looser in the end. Because it was a malicious act i believe your insurance company can deny payment. You may want to get an estimate first because your rates will go up and it may be cheaper in the long run and your son may learn a valuable lesson. |
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