by Guest » Tue Sep 13, 2011 09:45 pm
my mom loaned her car to someone for 3 days. After 60 days, she repeatedly asked for the car back; she sent a registered 5 day demand for the car that was returned unclaimed. When she was finally able to get the car back, the interior was trashed and the car was mechanically totaled--the mechanic reported it as undrivable...Would this be considered for a comprehensive claim. Thanks!
Posted: Wed Sep 14, 2011 12:35 am Post Subject:
Probably not. I the vehicle was never returned then it could be considered theft by conversion. But in this case the vehicle was loaned out and returned. You could see if your carrier would consider it vandalism but probably not. The problem is that the person driving the vehicle is an "insured" under the policy. The policy does not cover damages intentially caused to the vehicle by the insured.
The best bet would have been to report the vehicle stolen to the police after 10 days or so and file a claim with your own carrier at the same time. This would have been theft by conversion. The carrier may have waited 30 days to pay the claim but the car would have still been missing by that time.
You can file a claim and see if the carrier will cover it but I doubt it.
Your mom needs to be more responsible with who she loans her car to. I'd consider this a life lesson.
Posted: Wed Sep 14, 2011 05:50 am Post Subject:
The insurance company might not cover your damages since it was mainly due to negligence on your part. Your mom should've thought about it months ago. Now all you can do is to pray that your insurer is super friendly.
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