Fireworks burn through clearcoat

[ShadowImg]

why wouldnt the insurance cover it under comprehensive?

 

Someone can correct me if I'm wrong, but car insurance only covers damage that occurs while you are operating the vehicle. So if you hit the fireworks while driving, it would, or if someone hits you while operating their vehicle, their insurance covers it. If your vehicle is damaged while parked and not in operation, it's the responsibility of the insurance holder of the property (so if a tree from a neighbor's yard falls on your car in your yard, it's actually your homeowner's). I'm still trying to figure out how all the responsibilities apply, but this is what I've gathered from various incidents being a home owner over time.

[fishbone]

Hit and run is a parked car incident which is still covered under auto insurance. Neighbor's kid scratching your car is also a parked car type of loss.

I'll get back with more details, I used to work in auto claims.

To me it don't matter what insurance coverage steps in as long as someone pays

File a police report, the neighbors will be notified, let them figure it out.

[Metal2You]

Insurance covers your car while it is parked.

[06Limited]

Insurance covers your car while it is parked.

 

This is correct, from what I was told today. I went to my autobody specialist and so for the trunk and spoiler definitely need a repaint. In this case the paint become so hot that it created bubbles, which are unrepairable by buffing.

 

They are thinking that the hood and roof just need to be buffed. The total is currently somewhere around ~$750. This doesn't include a rental car or the possibility of buffing not taking car of the roof and hood.

 

My auto body guy recommended that I turn it into comprehensive insurance, as it wouldn't effect my rates, and just have the neighbor pay for my deductible. In this case everything would be covered, especially in the case of something else potentially popping up. Now I just have to decide which route I'm going to take it, as I'm not sure if the insurance will include the rental car.

[OCDetails]

You wouldn't have home owner's insurance if you are renting. That would be renter's insurance that you might be thinking of. It doesn't cover your car anyway. It only covers items in the apartment. Having your car vandalized is definitely covered under auto insurance. It would just depend on what type of coverage that you have.

 

Insurance doesn't always cover the rental car. That is ok though. Have your neighbor pay the comprehensive deductible and the rental. If he doesn't want to do that then just tell him you'll pay the whole thing and then slap him with a civil suit that will soak him for another couple hundred beyond what he would have to pay up front. Tell him that a judgement will not only force him to pay (they'll garnish his tax returns and even his wages until it is paid) but it will also hit his credit and screw him up for the next seven years in that regard. A judgement is just like a collection and can do some serious damage. Not to mention the fact that you might just name the appartment complex as a defendant as well and agree to a settlement of damages plus eviction of the dillweed who did this. Gawd, I love the law. It can get soooooo nasty when people don't want to cooporate.

[fishbone]

If you don't have rental coverage, your insurance won't pay for it. They might send request for reimbursement when they subrogate the other party/insurance company. So as it stands, if you go through your own insurance company, you have to pay your deductible out of pocket and rental if you don't have the coverage. If I were you, I would only notify my agent of the loss but not submit an actual claim. I would try to exhaust all other avenues before I'd go to my own policy/coverage. That way you can avoid paying out of pocket. As far as raising rates, it doesn't matter if it would be comp or collision, you clearly have no negligence or fault on your behalf. That being said, this is a comp claim, not a collision.