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Homeowners insurance claim coverage question for agents or adjusters #3?
I've seen this one paid both ways:
The insured is driving down the street. A car coming in the opposite direction hits a large rock in the road and the rock slides across the surface of the road. The insured runs over the moving rock and it damages the oil pan of the vehicle.
Is it a collision claim or a comprehensive claim?
2 Answers
- AnonymousLv 71 decade agoFavorite Answer
Collision - it was on the surface of the road. For it to be comprehensive, it has to be a falling object/missle. It's clearly not a falling object . . . there's an arguement for a missle, but I think that it would be darned tough to prove. That's not typically how a rock moves, when hit by a truck. It will bounce UP, then become a falling object.
- ?Lv 45 years ago
So what precisely is the wear and tear? Are they claiming the lack of ability of water is the wear and tear? if so water clearly evaporates, consequently the wear and tear is excluded with the aid of fact of inherent vice. The nicely itself isn't broken, that's what the nicely grew to become into conserving that grew to become into lost, and as I suggested in the past the loss surpassed off with the aid of fact of inherent vice.
