Fire Damage done to personal vehicle.
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Fire Damage done to personal vehicle.
Vehicle A caught fire, person driving stopped next to Vehicle B (which was parked). Vehicle A’s insurance company won’t cover the damage because it wasn’t arson. Vehicle B only had liability insurance. What can be done to repair the $4000 worth of damage on Vehicle B?
Asked on June 15, 2009 under Accident Law, Georgia
Answers:
B. B., Member, New Jersey Bar / FreeAdvice Contributing Attorney
Answered 15 years ago | Contributor
This is going to depend on all of the facts of the case; it may be that some of the "details" matter very much. Also, I'm not a Georgia attorney, and auto insurance law is different from one state to the next; this may also depend on how the insurance on Vehicle A is worded. One place to find a lawyer who can help you get all of this straightened out is our website, http://attorneypages.com
In most states, it would be my guess that it doesn't matter if the damage is caused by Vehicle A running into Vehicle B or (like this time) by having fire spread from A to B. If the liability insurance on Vehicle A is for damage to the other "arising from the use and/or operation of the insured vehicle" or some such language, most states' courts will interpret that kind of language to find coverage wherever possible, and it would probably extend to this.
Sometimes, some insurance companies seem to make their clams decisions based on what they think they can get away with. When you have a lawyer speaking for you, most insurance companies know better than to keep trying that on you.
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