Can a live-in relative, not covered under a homeowners policy, take out a claim for car damage from the house?

Answers:3   |   LastUpdateAt:2012-05-24 19:37:44  

Question
Jonatha
Asked at 2012-05-06 14:49:50
I live in my parents' house . My car was parked in his garage. A leak of wastewater ( old house ) arrested and "things" over my car. Took the car paint . If my parents are going to file a complaint, mind you I live in the house? Why deny it ? I'm not in politics , so even though I am connected, I am legally as an outside person .
Anyone have additional tips on this? My parents did not want to pay and do not want a car with diminished value . thanks
Answer1BairAnswered at 2012-05-09 00:27:53
No, but you can file a claim through your auto insurance company for repair.
Answer2KoKaNeE BaBy Answered at 2012-05-22 16:27:20
First, a family member living in your home corresponds to the definition of "who is the insured " in your policy . Look and see. You are not legally a person from outside. The name of the insured , however , you must file the claim.

Second, insurance policies do not cover damage to cars. No way , no how, not ever. If you can put a record label on it, you can not claim under a homeowner's policy . No matter if it does not, and that is planting daisies in the front seat. You can call a work of art and park in your living room , still not content.

The policies pay the insured . So let's pretend that cars are covered - the check that goes to his parents. No matter if you are over 18 years.

So you have to make a claim under its "comprehensive" coverage in its policy, in order to get any coverage for it. Your parents are certainly not responsible , as it was not the cause of the sewage drain to explode .
Answer3DominiAnswered at 2012-05-24 19:37:44
KarenB is right. Your car is not covered by your insurance policy unless their parents are responsible for the sewer backup ( do not think it will be) . The cars are specifically excluded in the homeowners policy.

You, the parents should not have to pay for this. Deliver it to your auto insurance for the damage fixed.
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