by FK » Wed Jun 17, 2009 11:40 am
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I have a question...
One of my Pennsylvania customers borrowed his Father-in-Law's Pennsylvania automobile. And as luck would have it, a Deer came out of nowhere and damaged the driver's side door. About $700.oo in damage. (two tone paint, painted stripe etc.)
Also being that its an "Extra" vehicle the Father-in-Law only has Liability coverage.
The Son-in-Law who has Liability, Comp, & collision coverage is responsible for the damage and thought His Insurer would cover it... but Son-in-Law's Insurance Agent told him No the insurance would not pay for the repair??
Is the Agent right... or ... is he getting bad information?
.
.
I have a question...
One of my Pennsylvania customers borrowed his Father-in-Law's Pennsylvania automobile. And as luck would have it, a Deer came out of nowhere and damaged the driver's side door. About $700.oo in damage. (two tone paint, painted stripe etc.)
Also being that its an "Extra" vehicle the Father-in-Law only has Liability coverage.
The Son-in-Law who has Liability, Comp, & collision coverage is responsible for the damage and thought His Insurer would cover it... but Son-in-Law's Insurance Agent told him No the insurance would not pay for the repair??
Is the Agent right... or ... is he getting bad information?
Posted: Thu Jun 18, 2009 10:50 am Post Subject:
were often waived by a large number of carriers. I assumed the same when you hit your own car
I can certainly understand how you would think that...most people think the same thing....I worked for Shelter for ten years Mike...in fact they still have ALL of my insurance... They waive your deductible if you are involved in an accident with another shelter insured..(yes, even yourself :wink: )...other carriers may do the same if you 'hit yourself' (which by the way happens more than you'd think)...but they'd be waivin' your collision deduct...not paying under your liability portion...easy to see how that can be confused.If the agent misinformed him at the time, would he be liable under the errors and ommissions agent policy?
To answer this part of your question Mike...absolutely, (if the agent were wrong)...one reason an agent should NEVER deny coverage...I've seen E&O claims paid for this very thing...(agent denys claim, without authority or knowledge, and doesn't meet the state DOI requirements for claims denials)Add your comment