Over 150.000 insurance professionals and consumers come to the Insurance Forum every month. Click here to register for FREE

Go Back   Insurance Forum > Insurance Agents and Brokers Forum > Auto Insurance Forum

Reply to Garage Door Damaged by Auto Crash     
Old 07-30-2009, 06:54 PM   #1
New Member
 
Join Date: Jul 2009
Posts:2
State: Granny is an Insurance Agent from Alabama
Garage Door Damaged by Auto Crash Garage Door Damaged by Auto Crash
A driver pulled into my driveway and her car brakes failed. This caused her car to crash into my garage and damage the garage door. The driver says my home insurance should pay for the garage door damage. I think the driver's auto insurance should pay for the garage door damage.

Who is correct? If the driver's auto insurance should pay, how can I collect for the damage?
------------------------------------
  Reply With Quote to Garage Door Damaged by Auto Crash
eZLynx Banner New 2
Old 07-30-2009, 07:40 PM   #2
Guru
Ron Van D on Garage Door Damaged by Auto Crash - Insurance Forum
 
Join Date: Nov 2008
Posts:384
State: Ron Van D is an Insurance Agent from Indiana
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash
Hey Granny,

File a claim with her auto insurance. Or, you could have your homeowners policy cover it and subrogate against the driver.

Welcome to the forum.

------------------------------------
There are only two reasons to be in business: Fun and profit.
And if there's no profit, it ain't much fun!
  Reply With Quote to Garage Door Damaged by Auto Crash
Old 07-30-2009, 07:52 PM   #3
Guru
xrac on Garage Door Damaged by Auto Crash - Insurance Forum
 
Join Date: Apr 2007
Posts:10,697
State: xrac is an Insurance Agent from Indiana
xrac is a member of 5000 posts Super VIP club
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash
Originally Posted by Granny View Post
A driver pulled into my driveway and her car brakes failed. This caused her car to crash into my garage and damage the garage door. The driver says my home insurance should pay for the garage door damage. I think the driver's auto insurance should pay for the garage door damage.

Who is correct? If the driver's auto insurance should pay, how can I collect for the damage?
Welcome! THe driver is responsible. Contact your insurance and tell them what happened and let your insurance company go after them. Is this a friend????
------------------------------------
  Reply With Quote to Garage Door Damaged by Auto Crash
Old 07-30-2009, 07:57 PM   #4
Guru
 
Join Date: Aug 2008
Posts:605
State: russelltw is an Insurance Agent from Undisclosed Location
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash
Your insurance company has no real standing in this. You need to call her insurance company. She is at fault. You will get better treatment from her insurance company when your insurance company is not involved. It will be under her property damage on her auto insurance.

You could also ask her to talk to her agent about paying it out of pocket. If the claim is more than a certain amount, your friend gets insurance points and her premium goes up for 3 years. I would have her call her agent to find out how much her insurance will increase. She may find it better to pay for your door out of pocket.

But she is at fault and should pay or her auto policy should pay.
------------------------------------
  Reply With Quote to Garage Door Damaged by Auto Crash

Register Now for FREE!
To sign up for your FREE INSTANT account, please complete the form.

Username:
    Password:   Confirm Password:     E-Mail:   Confirm E-Mail:     
   
Question of the day:   United States of I agree to forum rules 


Old 07-30-2009, 08:03 PM   #5
Guru
JustinUpright on Garage Door Damaged by Auto Crash - Insurance Forum
 
Join Date: Jun 2008
Posts:264
State: JustinUpright is an Insurance Agent from Tennessee
Send a message via AIM to JustinUpright
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash
I opened this post because the other day I was in a hurry and almost ran through my garage door from the inside LOL.

So my question would be which policy would cover if I hit it? Homeowners, Auto, or me since I wouldn't want to call that in?

------------------------------------
Excalibur Benefits
Larry Roberts
Larry.Roberts(at)Excaliburbenefits. com
  Reply With Quote to Garage Door Damaged by Auto Crash
Old 07-30-2009, 08:05 PM   #6
New Member
 
Join Date: Jul 2009
Posts:2
State: Granny is an Insurance Agent from Alabama
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash Granny is the thread starter for: Garage Door Damaged by Auto Crash

Yes, the woman whose car did the damage is a close friend. We don't want to collect from her, but we would like to collect a reasonable amount from her insurance agency.
------------------------------------
  Reply With Quote to Garage Door Damaged by Auto Crash
Old 07-30-2009, 09:58 PM   #7
Guru
xrac on Garage Door Damaged by Auto Crash - Insurance Forum
 
Join Date: Apr 2007
Posts:10,697
State: xrac is an Insurance Agent from Indiana
xrac is a member of 5000 posts Super VIP club
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash
Originally Posted by Granny View Post
Yes, the woman whose car did the damage is a close friend. We don't want to collect from her, but we would like to collect a reasonable amount from her insurance agency.
My advice on getting your insurance company involved was that this was a hostile situation and you might have to pursue subrogation.

There is no way around the fact that your friend is at fault and liable. She should either turn this into her company or she should pay you the damages out of pocket. The first thing you may want to do is get an estimate on the repair so you know the dollar amount you are dealing with.
------------------------------------
  Reply With Quote to Garage Door Damaged by Auto Crash
Old 07-31-2009, 05:32 PM   #8
Guru
JustinUpright on Garage Door Damaged by Auto Crash - Insurance Forum
 
Join Date: Jun 2008
Posts:264
State: JustinUpright is an Insurance Agent from Tennessee
Send a message via AIM to JustinUpright
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash
I agree with xrac. If it is a small amount and the person is a good friend I would pay for it out of my own pocket and tell my friend that my insurance took care of it. Garage door repair isn't that expensive even if you have to replace the door. I don't think I would put a strain on a friendship over a few hundred bucks.

------------------------------------
Excalibur Benefits
Larry Roberts
Larry.Roberts(at)Excaliburbenefits. com
  Reply With Quote to Garage Door Damaged by Auto Crash
Old 08-01-2009, 07:09 PM   #9
Super Genius
Gulliver on Garage Door Damaged by Auto Crash - Insurance Forum
 
Join Date: Jun 2009
Posts:177
State: Gulliver is an Insurance Agent from Missouri
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash
The car insurance is responsible hands down. If it is a friend and the cost is not outrageous just discuss it with them and try to get them to help pay for it. Your home insurance will not pay for it unless you lie about how it happened. The next best case is your car backed into it and then your car insurance is responsible. There is no easy way out of this.

Gulliver
------------------------------------
  Reply With Quote to Garage Door Damaged by Auto Crash
Old 09-24-2009, 12:36 AM   #10
Expert
 
Join Date: Jul 2009
Posts:34
State: xpirtdesign is an Insurance Agent from Alabama
Garage Door Damaged by Auto Crash Re: Garage Door Damaged by Auto Crash
man that seriously sucks
------------------------------------
  Reply With Quote to Garage Door Damaged by Auto Crash
Reply to Garage Door Damaged by Auto Crash 

  Insurance Agent Forum > Insurance Forum > Insurance Agents and Brokers Forum > Auto Insurance Forum




Similar Threads with Garage Door Damaged by Auto Crash
Thread Thread Starter Forum Replies Last Post
Increasing Auto Insurance Quotes agent C Auto Insurance Forum 27 06-02-2011 09:19 AM
Auto Insurance Quoting Engine drowninthemusic Insurance Technology Forum 14 08-27-2010 01:44 PM
Question to All Auto Insurance Agents valentinep General Insurance Agent Discussions 2 07-28-2009 10:06 AM
Auto Dialers A.I.P.G Site Feedback 23 06-30-2009 03:50 PM
Auto Responder Solutions MrKropp General Insurance Agent Discussions 6 04-17-2009 06:57 AM



All times are GMT -5. The time now is 12:54 AM.

Forum enabled with vBulletin®
Copyright ©2000 - 2014, vBulletin Solutions, Inc.


Join the Forum - It's FREE

Share This Page



Weekly Poll

What is your main strategy for growing your insurance business ?