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That would be considered a hit and run which would fall in the comp/coll portion of an insurance policy

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โˆ™ 2015-07-15 19:39:34
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Q: If your auto is damaged in a hit and run while parked in the driveway should you use the personal property rider on your auto insurance to cover it?
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How does an insurance company arrive at salvage value of personal property?

The have companies that will purchase damaged items of personal property or just about anything. They are in the business of repairing items are reselling them. The insurance company has lists of what they can normally sell damaged items for and this will result in a valuation.

Can a repo agent damage personal propery during a repo?

No, the repossession agency must return your personal property undamaged. Usually you have to go pick it up. If your property is damaged, the agency should have insurance.

What is the Difference of life and property insurance?

Property insurance - If your property is damaged the insurance will pay for this to be repaired. Life insurance - If you die then your estate (or the named beneficiary) gets a payout to the value of the insurance.

Does homeowners insurance pay when personal property is damaged in a fire while vacationing?

A homeowners insurance policy includes up to 10% of coverage C (Personal Property) while off premises. A fire that occurred while on vacation would certainly be covered under this type of coverage. Another incident is a resident child while staying in a dorm at college would also have coverage for personal property while the property was stolen or damaged by fire or windstorm or such at the college dorm.

Why should a tenant have insurance if the landlord has insurance?

You should have tenant insurance yourself because the landlords insurance only covers the damage to HIS PROPERTY, not yours. So I VERY HIGHLY suggest you get personal insurance if you want to replace damaged/stolen items.

Is the landlord responsible for damaged to my personal property if the damage was caused an fire?

The landlord is generally only responsible for the building, not the belongings inside. That's what renter's insurance is for.

What type of contract do you need to get money for your damaged property?

Insurance contract with an insurance company Indemnity bond

Does homeowners insurance cover damaged driveway caused by utility company water leak?

No. The utility company is responsible for the repair of your driveway, not your insurance. I'm also pretty sure that a driveway technically is not considered part of your home and is not covered under most policies. Check your policy to see what is and is not covered.

What powers do the courts have when personal or private property is damaged or destroyed?

In the event that there is personal or private property which has been damaged or destroyed, the courts can help. The person with the damaged property can file a lawsuit against the person who is responsible for the damage. If the court finds in favor of the person who has filed the lawsuit, it will enter a judgment against the person who damaged the property, which will make them legally responsible for paying for the damage.

What do you do if you hit an object and you have no insurance?

If you damaged someones property with your vehicle and you had no insurance. All you can do is pay for the damages out of your own pocket.

Who is responsible for adjoining driveway drain damage?

Your answer depends on who owns the driveway, and who damaged the drain. Best practices dictate that you file a police report and contact your insurance carrier, who can sort out who pays for the repair of the damage.

Are you compensated for personal items in your car that got destroyed?

That depends on who is responsible for the damage. If someone else was responsible then their insurance should cover your damaged property. If you are at fault then you will have to make a claim on a homeowner or renter's insurance policy of your own, if you have one.

Will insurance cover a damaged driveway caused by a storm?

You should contact your Insurance Agent for clarification. But most Home Insurance Policies do not provide coverage for cracked or broken concrete structures such as sidewalks, patios and driveways.

Does auto insurance cover auto accidents for same family in your driveway?

Each vehicle should have its own insurance so each should pay out if each were damaged, whoever owns them.

A tenant damaged my property. Will my insurance cover it?

This would be covered under Malicious or accidental damage if your insurance company provides this.

Can a property owner not an expert testify as to the value fair market value of her damaged property?

Normally an insurance company accesses your damamge.

Will just having liability insurance cover your car if it is damaged?

No. Liability covers the others and their property.

If a skylight was damaged in a fire in a rental house is that the responsibility of the renter or owner?

Most Renters Insurance has a Liability component as well as personal property coverage. So if the fire was the renters fault the landlord could sue the renter then the liability insurance would pay.

Does your homeowner insurance policy cover for damaged driveway caused by delivery truck?

this is something that you should discuss with the delivery company first. It is likely that their liability insurance would cover something like this. If not, then discuss it with your insurance agent. hope this helps!

If your neighbor's tree fell on your house whose insurance is responsible?

Your insurance would be responsible for repair of the damage to your home. If your neighbors property was also damaged in the event then the neighbors insurance will cover the neighbors property damage. Nobody is liable for an act of nature.

Are dog damaged dentures covered by home owner's insurance?

no animals are not covered property under HO policy

How can one get premise comprehensive general liability insurance so one can get a satellite dish installed in your apartment. management wants tenants to get that insurance?

Renters insurance is inexpensive and offered by most insurance companies. This policy would cover your personal property in your apt, including the sat dish, in case it was stolen, damaged by storm or fire, etc.

If while your car is parked in your own drive driveway and wind causes an object to strike the vehicle does that fall under auto collision or homeowner claim?

You'd most likely file that with your auto insurance, as that's the property that was damaged. Hoever, you might find there's a clause that says they won't cover acts of god, which, in the eyes of the insurance world, this was.

Why should a landlord get contents insurance?

It is very important for a landlord to get contents insurance if they are renting out a property with furniture included. If then the contents are damaged by the tennants then the landlord will be able to use the insurance policy to replace them.