Insurance claim

[Pwrtrdr1]

I have full coverage / comprehensive coverage on my jeep. I had my hardtop hanging from the ceiling. I backed into it and it fell down and broke all over the place. Will my insurance cover this under my comprehensive plan. What is your thoughts?

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[Ratbert]

Are you talking about your homeowners insurance?

 

[Pwrtrdr1]

Are you talking about your homeowners insurance?

No auto

 

[The Chubbernaut]

It should be covered, but your premiums might go up for filing a claim. It may be cheaper in the long run to source a replacement.

 

[Ratbert]

Your auto comprehensive or collision might cover it, but you'd need to contact your agent to find out for sure.

As @The Chubbernaut mentioned, you'd need to consider your deductible and potential rise in insurance rates when determining how you should proceed.

 

[JesseT]

It should be covered, but your premiums might go up for filing a claim. It may be cheaper in the long run to source a replacement.

That's how the insurance companies bully you into not using the insurance product you pay for.

 

[azjl#3]

dont blame the player, blame the game

Maybe time to go softop off craigslist

 

[TheBirdie72]

Yeah… that’s the big catch 22 with the auto insurance game. You are legally required to have auto insurance… you opt to cover your vehicle appropriately and not just get the minimum… something happens that is less than catastrophic…. Then you have to decide between actually using what you pay for, or footing the bill yourself. I can’t think of another industry that you are legally required to have but are so strongly discouraged to use. I think of insurance as the type of thing that is just a cost of daily living, and is just a PITA - until you really need it - then you are glad you have it.

I would like to own a donut shop where everybody in town is legally required to buy a donut from me every day. But if someone gets indigestion, they can opt to get a free donut replacement the next day, but it’ll cost more per donut for them going forward after that.

 

[Ex-Railroader]

Last i checked, you are legally required to have liability, your choice for comp/collision

 

[AlgUSF]

Gosh, that is a hard one. If the HT came with the vehicle from the factory, it should be covered under your comprehensive coverage. The fact that it wasn't physically attached to the vehicle may be an issue. When does a part NOT be part of the automobile?

 

[Grayhound]

I did this same thing. Insurance covers it and so long as you don't have multiple claims in a rolling 12mo you should be good to go. Also report any damage to the garage.

I wasn't fully unhooked from my hard top hoist and drove out damaging my hard top and garage...

 

[Heimkehr]

I have full coverage / comprehensive coverage on my jeep. I had my hardtop hanging from the ceiling. I backed into it and it fell down and broke all over the place. Will my insurance cover this under my comprehensive plan. What is your thoughts?

I discussed the deets of this thread with my wife, who used to be an office manager for State Farm.

By and large, and with the understanding that insurance laws and thus policies vary from state to state, any claim that you file will likely land on your auto policy first. This is because the damage occurred as the vehicle was being [legally] operated. Provided there wasn't any substantive damage to the garage(?) interior itself, it is likely that the Comprehensive line item on your auto policy will be pinged to determine what coverage/reimbursement, if any, you might be able to claim here.

How and where these things land can sometimes sound surprising. E.g., you're visiting your buddy's house, and as you close the door after getting into his vehicle, you somehow manage to injure your hand on the door jamb. The injury is sufficient to require medical attention. In that scenario, and if you have out-of-pocket expenses that you'd like to be reimbursed, you'd make a claim against the Medical portion of your automotive policy...your policy, not his, because your actions were the proximate cause of your injury.

Again, though, policies and procedures will vary amongst the states. Your next move should be calling your insurance agent, not perusing a Jeep forum.

 

[AcesandEights]

I'm going to over-explain, because you didn't ask.

No, it won't likely be covered.

It's not a collision claim, because it's not your vehicle that was damaged, and it wasn't part of or connected to your vehicle at the time of the loss.

It's not a comprehensive claim, as that typically covers your vehicle by a non-collision accident, when you are not at fault, like someone slashing your tires, keying your car, etc. The hardtop wasn't connected or part of your vehicle, and you were liable for the damage (you hit it), so it's not a comprehensive claim.

This accident is more like you hitting a parked car, or a sign, or someone's mailbox.

The coverage that should apply is property damage; however, you can't have a PD/liability claim against yourself. You can't be both liable for damages and receive the benefit of being liable (you can't get paid out for your own liability), so there isn't coverage for that.

 

[Vanburi]

Can't be true. If you run into your garage, it is your fault and you get paid to fix it.

 

[AcesandEights]

Under what policy?

Insurance is state specific, and policies have varying language, so anyone disagreeing, you may be right.

I will say this, I worked as an insurance adjuster. I've denied these types of claims because there was no coverage that applied. It doesn't mean your insurance company, or the state you live in, wouldn't have a different outcome. It also doesn't mean your homeowners wouldn't provide coverage, or some other way of getting it covered. I only know that I've had this circumstance come up, and the policy did not allow a person to have a property damage (PD/liability) claim against themselves, and it was clearly not a collision/comprehensive claim.

Your mileage may vary.

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