Insurance Question

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nwiafan

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Dec 22, 2008
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So last week during the Okie State game one of our tailgate tents was grabbed by the wind before staking down and scratched the truck parked next to us. Does my auto insurance cover this damage as the estimate I received was considerably higher than what we originally thought it would be.

Thanks!
 

ruflosn

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Dec 21, 2008
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So last week during the Okie State game one of our tailgate tents was grabbed by the wind before staking down and scratched the truck parked next to us. Does my auto insurance cover this damage as the estimate I received was considerably higher than what we originally thought it would be.

Thanks!
Estimate is always is higher than you think it will be.
 

brianhos

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As Iowa licensed P&C Agent I would say the other guys comp coverage should cover it. If he doesn't have comp, that sucks for him.

Pretty much this, he would have to sue you to get money if he does not have comp. I would offer him some cash to help defray the cost, but this is why I bring my old car to tailgates and not the new one.
 
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IceCyIce

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Aug 17, 2009
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It wouldn't be your auto coverage. If anything it would be your home owners. If your car hit his then the auto line would be primary. In this case his comp coverage would be in play similar to a softball or baseball hitting the windshield
 

ruxCYtable

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It wouldn't be your auto coverage. If anything it would be your home owners. If your car hit his then the auto line would be primary. In this case his comp coverage would be in play similar to a softball or baseball hitting the windshield
This. Would absolutely not be your auto insurance. If anything would be under your general liability of your homeowner policy. As some others have said, his comp -- if he has it -- should cover it. But he and/or his insurance company can come after you for it.
 

RedBlooded

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Jun 11, 2010
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It wouldn't be your auto coverage. If anything it would be your home owners. If your car hit his then the auto line would be primary. In this case his comp coverage would be in play similar to a softball or baseball hitting the windshield

I would agree with this but, a homeowners claim is for big stuff. To file a HO claim for scratch wouldn't be in your best interest. If you really wanted to help, you could offer to help cover the guys deductible.
 
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ruxCYtable

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I would agree with this but, a homeowners claim is for big stuff. To file a HO claim for scratch wouldn't be in your best interest. If you really wanted to help, you could offer to help cover the guys deductible.
You could do that. But if the insurance company finds out the real story -- if the other party hasn't already told them -- they can and very well may come after him for the whole amount.
 

BillyClone

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Mar 20, 2006
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Don’t offer any money!

As stated, this is not going to be covered by your auto insurance. IF it is covered, it will be by your homeowners insurance and only if it is determined if you are liable for the damages.

I would offer the other guy your contact information and tell him to make a claim to his own auto insurance company. They can decide how they want to proceed.

If they want to pursue money from you, give them your homeowners insurance contact information and let the insurance companies figure it out. This is why you pay those premiums, make your insurance company earn it.

My guess is his auto insurance company won’t pursue you. They’ll cover it under his comprehensive coverage. But the other guy will be out his deductible. If you want to slip him some money, that’s up to you.
 

Knownothing

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Nov 22, 2006
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Home would cover it and it’s not an act of god. That would be like a tree of yours falling on the car. This was preventable so it’s not an act of god. Even though it might seem not preventable in your eyes. It will be by the insurance company
 

LarryISU

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Feb 10, 2013
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First of all, were you negligent? The answer is yes. You failed to hold on to your tent in windy conditions. So you do owe the guy for his damages. The other guy did NOTHING wrong, correct? Secondly, your liability coverage under your Homeowners policy will pay for this. As others have said, the other guy's insurance would also cover him under his automobile policy Comp coverage. But he would have a deductible and it is not right to make him pay anything or even to have a claim against his own insurance when this was your fault.
 

jkclone

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First of all, were you negligent? The answer is yes. You failed to hold on to your tent in windy conditions. So you do owe the guy for his damages. The other guy did NOTHING wrong, correct? Secondly, your liability coverage under your Homeowners policy will pay for this. As others have said, the other guy's insurance would also cover him under his automobile policy Comp coverage. But he would have a deductible and it is not right to make him pay anything or even to have a claim against his own insurance when this was your fault.
I don’t think we have enough info to say negligence. It could have been but if they were still setting up I think that is really just an act of god situation.
 

intrepid27

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Oct 9, 2006
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Not sure how big the scratch is but I'd think twice about filing a claim that small as your rates will surely go up. I run high deductibles on everything, pay less premiums and try never to file a claim under $2000.
 

LarryISU

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Feb 10, 2013
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I don’t think we have enough info to say negligence. It could have been but if they were still setting up I think that is really just an act of god situation.

Really? I did this for a living for 30 years, but I guess you know better.

Here is an Act of God: a tornado tears the roof off my house and it lands on your car. THAT is an Act of God, as they call it. In that case I truly did nothing wrong. I do not owe you for your car because I did nothing wrong, it was an unforeseen and unpreventable occurrence. The same cannot be said about the tailgate tent. Put yourself in the shoes of the owner of the car. So if your parked car gets damaged by someone else's tent, you would just say, oh well, not your fault, just the wind. I think not.
 
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jkclone

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Really? I did this for a living for 30 years, but I guess you know better.

Here is an Act of God: a tornado tears the roof off my house and it lands on your car. THAT is an Act of God, as they call it. In that case I truly did nothing wrong. I do not owe you for your car because I did nothing wrong, it was an unforeseen and unpreventable occurrence. The same cannot be said about the tailgate tent. Put yourself in the shoes of the owner of the car. So if your parked car gets damaged by someone else's tent, you would just say, oh well, not your fault, just the wind. I think not.
The question is were they negligent. We need more information. If they had people holding it while trying to tie it down then I don’t get how you can say it was negligence. I’m not saying it wasn’t but we’d need to see more information. If the insurance agency actually wanted to go after him in court I don’t think they’d win. With the current info. Actually with just the information we have I know they’d lose.
 

BCClone

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Not exactly sure.
after hours and figured I'd check with the experts on all topics...aka cyclonefanatic!
You don't have his cell number? Honestly. Time to get better service.

Now reading the rest of the he responses. I can't believe the jackwagons here. He did something to damage someone else's vehicle, the other guy did nothing. Be decent people folks! I have a feeling there are several people here who run when they damage a parked car.
 
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