A slightly related "collision coverage" story:
My two school teacher friends owned a mobile home they lived in for a
couple years, until...
A drunk leaves the highway, drives a half mile up their dirt road driveway
and crashes into it.
Even though the mobile home was not mobile, no wheels, on blocks and tied
down...
Their homeowners insurance would not pay since it did not cover collision.

 

You sue both.

JT




InsuranceHelp2004 wrote:
>
> UPDATE :
> The driver of car #2 - is not the owner of the car they were driving.
> The car #2 owner is someone else in the same state. How does this
> change my situation in getting my car fixed and repaired ? Does this
> change the liability situation ? I'm not sure if the driver of car # 2
> was insured or not. I have uninsured motorist protection, but if car #
> 2 itself (NOT THE DRIVER) is insured what does it do for me ?
>
> I hope this info update will help.
>
> Insurancehelp2004@yahoo.com (InsuranceHelp2004) wrote in message
>
> news:<71f632b0.0404170844.67697a6f@posting.google. com>...
> > Hello All,
> > I apologize for the cross posting but I am need of some serious
> > experienced advice before I take another step with the insurance
> > companies. I'll get right to it and try the best I can to stick to the
> > facts and not give my opinions. Here are some details I hope can help
> > assist you with offering some sound advice with dealing with these
> > insurance companies and adjusters. I live in Baltimore, MD and still
> > have comprehensive coverage on my car (no collision). My car was paid
> > in full and had a blue book vale of 9400. It was a Pre Owned Certified
> > vehicle. My insurance company is Geico.
> >
> > There was a six car accident in front of my home. Of the six cars, 3
> > of them were parked on the side of the street, the other 3 were in
> > motion driving down the street. I heard the accident when it happened
> > when I was at home. I will refer to the 3 cars in motion as car # 1 -
> > 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> > 4. From the investigation of the scene car # 1 struck car # 2 in the
> > rear, the impact caused car # 2 to spin out of control and hit moving
> > car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> > cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> > from
> > car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> > rear damage to the trunk and bumper. My car driver side door is so
> > smashed in it cannot be opened and the rim on the passenger sidewas
> > damaged by the impact being parked next to the curb. I'm worried about
> > unseen damage since car # 5 was totalled and it was the 2nd car hit by
> > car # 2. I can only imagine what has happened to my vehicle.
> >
> > The officers at the scene told us since there was so much damage and
> > ambulances at the scene that they would gather all the information. I
> > gather all information I could from the scene - car models,plates,
> > colors, # of passengers, etc. I gave all necessary information and
> > spoke the officers, the officer said car # 1 was responsible for
> > setting in motion the car accident. I got a copy of the police report
> > as told by my insurance company and the police officer. The police
> > report has car # 1 driver in their own writing and signature stating
> > that he slammed his brakes and struck car # 2 in the rear and that car
> > # 2 had hit all the parked cars. The driver of car # 2 was taken to
> > the hospital and has no statement on file.
> >
> > Now at this point, this is where it gets odd. Car # 1, who is insured
> > with State Farm, is saying that car #2 cut him off and that is the
> > fault of car #2 for the accident. Car # 1 admits fault to hitting the
> > rear of car # 2, but that is was car # 2 fault for cutting him off
> > that caused the accident. The State Farm adjust has been less than
> > cooperable with helping expedite this process. The adjuster said that
> > car # 1 said there was "misunderstanding" with the police report and
> > that car # 1 driver said he didn't agree with the police report
> > (which he wrote and signed himself) and that they needed to get a hold
> > of the officer who filed the report to get it cleared up. In Maryland,
> > I thought it was not possible to change a police report once it has
> > been filed. I let them do that, as expected no change. Now the State
> > Farm adjuster refuses to look at my car or assume liabity at all for
> > the accident. The adjuster tells me he is going to issue a letter of
> > denial for liability next week. As for car # 2, which is the car that
> > impacted with my car, I wasn't even listed on their claim and they
> > didn't have a copy of the police report. I faxed them over a copy of
> > the police report and they updated their info. Car # 2's insurer said
> > an adjuster was going to look at my car and that they would call to
> > set an appointment to look at the car. but that has not been
> > confirmed. Now, car # 2's insurer is going to send a letter of denial
> > for liability because car #1's insurer is doing the same. This where
> > my dilemna comes in, because of my insurance coverage with Geico I
> > cannot claim underinsured motorist damage without a liable party. With
> > both car #1 and car # 2 about to deny any liability for this accident,
> > I'm without a car since technically there is no one underinsured to
> > accept responsibility for the damage to my parked car.
> >
> > Please, I hope someone can help me with this, I'd rather not go to
> > court and I'm just looking to get my car back to the way it was. I
> > have been riding my bike back and forth to work for the last 3 weeks.
> > The insurance companies are being extremely uncooperative and taking
> > their time at my expense. I'm feeling like I'm being taken advantage
> > of at someone else's expense. My car was parked in front of my home
> > when it was hit, I can't understand why I am being treated like I did
> > something wrong. Any legal information or advice would be greatly
> > appreciated on how to pursue this. Thank you all in advance.
> >
> > I feel that Geico and myself should not be responsible for the damage,
> > since I was in no way at fault or involved with this accident. I was
> > simply parked in front of my home and it's been 3 weeks and no one has
> > come to even look at the car.

--
JT

Just tooling through cyberspace in my ancient G4

 

On Mon, 19 Apr 2004 15:21:58 -0400, Alex Rodriguez <adr5@columbia.edu>
wrote:

>In article <JEvgc.29871$kc2.419660@nnrp1.uunet.ca>, Halifax@NovaScotia.Canada
>says...
>>
>>
>>
>>"George Macdonald" <fammacd=!SPAM^nothanks@tellurian.com> wrote in message
>>news:kq0580hsrehv1gtuej4s7aovusfof8hgca@4ax.com. ..
>>>
>>> See above - he has no coverage for collision. Why would his insurance
>>> company get involved?
>>
>>I would believe that his insurance company would get involved. First off,
>>his vehicle was not in motion, therefore, the damage done to it, should be
>>covered under his comprehensive coverage. Collision coverage is to cover
>>your vehicle if you are operating your vehicle and do damage to it.
>
>You make a good point. I wonder if this type of damage would fall under
>comprehensive or collision coverage.

Huh? Have you not read any other posts here from people with *experience*?
It may vary by insurance company, state or even country -- this *is* an
international newsgroup -- but I know that in NJ, when a car hits another
car which is stationary, parked in the street or a parking lot, it is
classed as collision.

Oh and BTW, collision coverage is to cover any damage you do to anyone or
anything - not just *your* car.

Rgds, George Macdonald

"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??

 

In article <vhua80d07adh69891dsai44jq7hgq96hl6@4ax.com>,
fammacd=!SPAM^nothanks@tellurian.com says...

>Oh and BTW, collision coverage is to cover any damage you do to anyone or
>anything - not just *your* car.

Not true. I don't have collision on my car and if I hit someone my
liability coverage will cover the damage my car causes to someone elses
property. It just won't cover damage to my car.
---------------
Alex

 

On 4/20/2004 2:51 PM George Macdonald spake these words of knowledge:


> On Mon, 19 Apr 2004 15:21:58 -0400, Alex Rodriguez <adr5@columbia.edu>
> wrote:
>
>>In article <JEvgc.29871$kc2.419660@nnrp1.uunet.ca>, Halifax@NovaScotia.Canada
>>says...
>>>
>>>
>>>
>>>"George Macdonald" <fammacd=!SPAM^nothanks@tellurian.com> wrote in message
>>>news:kq0580hsrehv1gtuej4s7aovusfof8hgca@4ax.com ...
>>>>
>>>> See above - he has no coverage for collision. Why would his insurance
>>>> company get involved?
>>>
>>>I would believe that his insurance company would get involved. First off,
>>>his vehicle was not in motion, therefore, the damage done to it, should be
>>>covered under his comprehensive coverage. Collision coverage is to cover
>>>your vehicle if you are operating your vehicle and do damage to it.
>>
>>You make a good point. I wonder if this type of damage would fall under
>>comprehensive or collision coverage.
>
> Huh? Have you not read any other posts here from people with *experience*?
> It may vary by insurance company, state or even country -- this *is* an
> international newsgroup -- but I know that in NJ, when a car hits another
> car which is stationary, parked in the street or a parking lot, it is
> classed as collision.
>
> Oh and BTW, collision coverage is to cover any damage you do to anyone or
> anything - not just *your* car.
>
> Rgds, George Macdonald

George, I think your last sentence is correct; collision insurance *is*
to cover any damage *you* (or your car) does to anyone or anything, not
just your car.

In the case at hand, neither the OP nor his car did any damage
whatsoever, and collision insurance (on *his* part) should not enter
into the equation. While the incident is (generally) classed as a
collision, the coverage purchased by the OP is irrelevant - or should be.

He *will* probably have to sue the bastards in car #1 and car #2, and
the owner of car #2, and each of their respective applicable insurance
companies, unfortunately. But he stands a good chance of winning a
reasonable settlement - although that may take some time.

--
RFT!!!
Dave Kelsen
At dinner yesterday, I tried to cut myself a slice of prime rib, but it
was only divisible by itself and one.

 

By the way, when I have been hit by a driver who had Progressive Insurance
Co, they rushed out to my house, checked the damage, gave me a check, then,
when the body shop indicated that there was some hidden damage too, they
sent another check. They were GREAT! I would have switched, but I have
both home and car with another company and Progressive doesn't (didn't) do
homeowners.

--
KWW

"E. Meyer" <e.meyer0SPAM@ieee.org> wrote in message
news:BCA6DC6F.67F90%e.meyer0SPAM@ieee.org...
> On 4/17/04 11:44 AM, in article
> 71f632b0.0404170844.67697a6f@posting.google.com, "InsuranceHelp2004"
> <insurancehelp2004@yahoo.com> wrote:
>
> > Hello All,
> > I apologize for the cross posting but I am need of some serious
> > experienced advice before I take another step with the insurance
> > companies. I'll get right to it and try the best I can to stick to the
> > facts and not give my opinions. Here are some details I hope can help
> > assist you with offering some sound advice with dealing with these
> > insurance companies and adjusters. I live in Baltimore, MD and still
> > have comprehensive coverage on my car (no collision). My car was paid
> > in full and had a blue book vale of 9400. It was a Pre Owned Certified
> > vehicle. My insurance company is Geico.
> >
> > There was a six car accident in front of my home. Of the six cars, 3
> > of them were parked on the side of the street, the other 3 were in
> > motion driving down the street. I heard the accident when it happened
> > when I was at home. I will refer to the 3 cars in motion as car # 1 -
> > 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> > 4. From the investigation of the scene car # 1 struck car # 2 in the
> > rear, the impact caused car # 2 to spin out of control and hit moving
> > car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> > cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> > from
> > car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> > rear damage to the trunk and bumper. My car driver side door is so
> > smashed in it cannot be opened and the rim on the passenger sidewas
> > damaged by the impact being parked next to the curb. I'm worried about
> > unseen damage since car # 5 was totalled and it was the 2nd car hit by
> > car # 2. I can only imagine what has happened to my vehicle.
> >
> > The officers at the scene told us since there was so much damage and
> > ambulances at the scene that they would gather all the information. I
> > gather all information I could from the scene - car models,plates,
> > colors, # of passengers, etc. I gave all necessary information and
> > spoke the officers, the officer said car # 1 was responsible for
> > setting in motion the car accident. I got a copy of the police report
> > as told by my insurance company and the police officer. The police
> > report has car # 1 driver in their own writing and signature stating
> > that he slammed his brakes and struck car # 2 in the rear and that car
> > # 2 had hit all the parked cars. The driver of car # 2 was taken to
> > the hospital and has no statement on file.
> >
> > Now at this point, this is where it gets odd. Car # 1, who is insured
> > with State Farm, is saying that car #2 cut him off and that is the
> > fault of car #2 for the accident. Car # 1 admits fault to hitting the
> > rear of car # 2, but that is was car # 2 fault for cutting him off
> > that caused the accident. The State Farm adjust has been less than
> > cooperable with helping expedite this process. The adjuster said that
> > car # 1 said there was "misunderstanding" with the police report and
> > that car # 1 driver said he didn't agree with the police report
> > (which he wrote and signed himself) and that they needed to get a hold
> > of the officer who filed the report to get it cleared up. In Maryland,
> > I thought it was not possible to change a police report once it has
> > been filed. I let them do that, as expected no change. Now the State
> > Farm adjuster refuses to look at my car or assume liabity at all for
> > the accident. The adjuster tells me he is going to issue a letter of
> > denial for liability next week. As for car # 2, which is the car that
> > impacted with my car, I wasn't even listed on their claim and they
> > didn't have a copy of the police report. I faxed them over a copy of
> > the police report and they updated their info. Car # 2's insurer said
> > an adjuster was going to look at my car and that they would call to
> > set an appointment to look at the car. but that has not been
> > confirmed. Now, car # 2's insurer is going to send a letter of denial
> > for liability because car #1's insurer is doing the same. This where
> > my dilemna comes in, because of my insurance coverage with Geico I
> > cannot claim underinsured motorist damage without a liable party. With
> > both car #1 and car # 2 about to deny any liability for this accident,
> > I'm without a car since technically there is no one underinsured to
> > accept responsibility for the damage to my parked car.
> >
> > Please, I hope someone can help me with this, I'd rather not go to
> > court and I'm just looking to get my car back to the way it was. I
> > have been riding my bike back and forth to work for the last 3 weeks.
> > The insurance companies are being extremely uncooperative and taking
> > their time at my expense. I'm feeling like I'm being taken advantage
> > of at someone else's expense. My car was parked in front of my home
> > when it was hit, I can't understand why I am being treated like I did
> > something wrong. Any legal information or advice would be greatly
> > appreciated on how to pursue this. Thank you all in advance.
> >
> > I feel that Geico and myself should not be responsible for the damage,
> > since I was in no way at fault or involved with this accident. I was
> > simply parked in front of my home and it's been 3 weeks and no one has
> > come to even look at the car.
>
> I think if Geico won't step up and handle it for you, you will have to sue
> the drivers directly for the damages. Ultimately, the insurance companies
> were hired to act at their agents, but I don't think that relieves them of
> personal responsibility/liability, whether they deny it or not. I don't
see
> any way for you to get compensation without at least hiring a lawyer and
> probably going to court.
>
>
>

 

On Fri, 23 Apr 2004 09:35:44 GMT, "KWW" <kwalker@nospamaircooled.net> wrote:

>By the way, when I have been hit by a driver who had Progressive Insurance
>Co, they rushed out to my house, checked the damage, gave me a check, then,
>when the body shop indicated that there was some hidden damage too, they
>sent another check. They were GREAT! I would have switched, but I have
>both home and car with another company and Progressive doesn't (didn't) do
>homeowners.

I have had similar experience with Progressive, and I insure my car and
motorcycle with them. I could have saved a couple dollars using Bike-line.com
for motorcycle insurance, but my good experience with Progressive was worth more
than that. I used to have State Farm and after many years of high premiums I
had a claim - and that was a crappy experience. They really sucked.



Enjoy,

Tim Wisner

www.wisner.us