any auto insurance geeks up in here?

[porkbutt 861]

let's say i left car running for 2 minutes in a relative's driveway and it was stolen. would/could insurance deny coverage (comprehensive) deny coverage because of negligence (leaving it running)?

 

and then if thief smashed my car into another...would i be liable for that car if i was negligent?

[NorthernVike 2,080]

You'd be covered for the theft. I've had several claims just like that in my office.

 

As far as being liable for the damages the thief's cause with your vehicle, your policy would protect your interest however, it is highly unlikely but not impossible to be found liable in a court of law.

[edjr 5,564]

Cool story bro.

 

Own up to being a crap driver

[remote controller 133]

[TimmySmith 2,782]

......then let's say the thief had left a dead wh0re and 5 kilos in the trunk...

[BunnysBastatrds 1,916]

As Vikes said, you'd be covered for theft. However, on the liable side, I've seen claims where the claimants/victims sued the insured for the thief's negligence. And they sue you personally. The insurance company is not liable for injuries or damage from a stolen vehicle where the keys were left and the vehicle was running. Each claimant with damage will go through their insurance company to pay for damages and any injuries through their insurance company as long as they have uninsured motorist. If they don't have insurance or uninsured motorist, they can come after you.

[IGotWorms 3,315]

Likely story

[porkbutt 861]

......then let's say the thief had left a dead wh0re and 5 kilos in the trunk...

nope...but he left some vials of crack and a couple blunts

 

true story

[porkbutt 861]

You'd be covered for the theft. I've had several claims just like that in my office.

 

As far as being liable for the damages the thief's cause with your vehicle, your policy would protect your interest however, it is highly unlikely but not impossible to be found liable in a court of law.

i like this answer.

 

if they don't cover...that would SUCK

[Cloaca du jour 2,064]

Just say you left keys in it.

[porkbutt 861]

Just say you left keys in it.

i did

[BunnysBastatrds 1,916]

i did

This is why you will be liable and not your insurance company. Had your vehicle been stolen without the keys in the ignition and the vehicle running, there would be no fault on your end. You better hope that A-The vehicle hit by yours has insurance. And B- They have uninsured motorist insurance. If not, they will sue you if they have a component attorney. Your vehicle is covered if you have full Auto.

 

I've been in this business for twenty years. My boss has for fifty years. I checked with him and he agrees with my assessment of your situation. Sorry. But I would sue you too under the circumstances. Those circumstances being that I didn't have any insurance and uninsured motorist to offset the liability and damages to me.

[porkbutt 861]

This is why you will be liable and not your insurance company. Had your vehicle been stolen without the keys in the ignition and the vehicle running, there would be no fault on your end. You better hope that A-The vehicle hit by yours has insurance. And B- They have uninsured motorist insurance. If not, they will sue you if they have a component attorney. Your vehicle is covered if you have full Auto.

 

I've been in this business for twenty years. My boss has for fifty years. I checked with him and he agrees with my assessment of your situation. Sorry. But I would sue you too under the circumstances. Those circumstances being that I didn't have any insurance and uninsured motorist to offset the liability and damages to me.

so what your telling me is that if i leave my car running for a second on private property and a crackhead takes it and smashes cars that im liable for everything? and the uninsured have less liabilty than me all around and can sue me? and my claim on my vehicle which is a total loss will be denied? i dont really believe that and think you and ur senile boss are idiots. but i could very well be wrong. wow.

[Patriotsfatboy1 1,432]

so what your telling me is that if i leave my car running for a second on private property and a crackhead takes it and smashes cars that im liable for everything? and the uninsured have less liabilty than me all around and can sue me? and my claim on my vehicle which is a total loss will be denied? i dont really believe that and think you and ur senile boss are idiots. but i could very well be wrong. wow.

If you are dumb enough to leave a running car unlocked, then you are culpable. At least partially.

[porkbutt 861]

If you are dumb enough to leave a running car unlocked, then you are culpable. At least partially.

so you never ran up to someones door with car running in a private driveway? have you ever left your home unlocked by mistake?

[BunnysBastatrds 1,916]

so what your telling me is that if i leave my car running for a second on private property and a crackhead takes it and smashes cars that im liable for everything? and the uninsured have less liabilty than me all around and can sue me? and my claim on my vehicle which is a total loss will be denied? i dont really believe that and think you and ur senile boss are idiots. but i could very well be wrong. wow.

Because you left your vehicle running and unattended you are somewhat responsible. Your insurance policy (in most states) require that you adequately secure your vehicle to the best of your ability. Had it just been broken in and then stolen, you'd be covered fully for any actions the thief incurred.The thief went out of their way to steal it. In your case, they entered an unlocked vehicle that was running. That's negligence on your part. There is zero negligence on your part if they broke in and hot wired it and drove off causing damages. Big difference.

 

No matter what, you will be able to file a claim under your insurance policy if you have full coverage for your vehicle. If it's a total loss, they will give you fair market value minus your deductible.

 

You are not fully liable for any of the actions caused by the person who stole your vehicle. You would be somewhat liable depending on the full circumstances of the case. The other claimants that the perp caused damage to can't sue your insurance company. They will have to go through their insurance company. If they can't do that, who else are they going to go after? You. The crackhead going to jail with no money has nothing. No judge or jury would ever fully fault you for this, but they could put you at some level of fault in a civil claim. You could then Sue the crack head. Good luck with that.

 

Think about it....if you get into an accident and the other party involved is at fault and doesn't have insurance coverage, what would you do? It's my opinion that since you left your vehicle unattended and running, your insurance company will pay your claim but deny the other parties involved and let their insurance companies handle their losses.

 

As far as me trying to help you and then you calling me an idiot, good luck.

[BunnysBastatrds 1,916]

I'm done helping others..

[drobeski 3,061]

Move out of the ghetto.

[frank 2,145]

Sounds like you aren't protected against mayhem.

[NorthernVike 2,080]

Because you left your vehicle running and unattended you are somewhat responsible. Your insurance policy (in most states) require that you adequately secure your vehicle to the best of your ability. Had it just been broken in and then stolen, you'd be covered fully for any actions the thief incurred.The thief went out of their way to steal it. In your case, they entered an unlocked vehicle that was running. That's negligence on your part. There is zero negligence on your part if they broke in and hot wired it and drove off causing damages. Big difference.

 

No matter what, you will be able to file a claim under your insurance policy if you have full coverage for your vehicle. If it's a total loss, they will give you fair market value minus your deductible.

 

You are not fully liable for any of the actions caused by the person who stole your vehicle. You would be somewhat liable depending on the full circumstances of the case. The other claimants that the perp caused damage to can't sue your insurance company. They will have to go through their insurance company. If they can't do that, who else are they going to go after? You. The crackhead going to jail with no money has nothing. No judge or jury would ever fully fault you for this, but they could put you at some level of fault in a civil claim. You could then Sue the crack head. Good luck with that.

 

Think about it....if you get into an accident and the other party involved is at fault and doesn't have insurance coverage, what would you do? It's my opinion that since you left your vehicle unattended and running, your insurance company will pay your claim but deny the other parties involved and let their insurance companies handle their losses.

 

As far as me trying to help you and then you calling me an idiot, good luck.

Sorry bunny, I disagree. If the company pays any part of the claim, they are stuck on the whole thing. If they can deny the liability portion if the policy for leaving it running and unlocked, why couldn't they deny the comprehensive portion of it? Up north, it is common to warm your vehicle up before you drive.

[NorthernVike 2,080]

Also, would you acree that stupidity is generally a covered form of loss?

[porkbutt 861]

I'm done helping others..

sorry man. was just kidding. i guess im fockked

[Patriotsfatboy1 1,432]

so you never ran up to someones door with car running in a private driveway? have you ever left your home unlocked by mistake?

If I did leave the car running while visiting, I would expect that I would be partially responsible if the car were stolen.

 

I have left a door unlocked before, but unlocked car with keys in it and running takes it to a whole different level of responsibility. Sorry.

[porkbutt 861]

Move out of the ghetto.

i said i wasn't at my house. please dont make me think slonuff is right about you

 

also it was in suburbs and a cop lives next door

 

i'm pretty sure the crackhead smashed a couple other crackheads parked cars. he took my car into the heart of crackville

[KSB2424 3,083]

Not to hijack porkbutts thread but after my sons accident I learned that it's really important to have good uninsured / under insured coverage. 100k at the very least. I upped mine to 250k. It only cost me another 50 bucks a year or something nominal to up it that much.

 

The worst thing that can happen is..... something bad happens, and the crackhead, illegal immigrant with no insurance, or old man with the most basic insurance they sell being on the liable end of something. Nothing more will piss you off.

[IGotWorms 3,315]

so what your telling me is that if i leave my car running for a second on private property and a crackhead takes it and smashes cars that im liable for everything? and the uninsured have less liabilty than me all around and can sue me? and my claim on my vehicle which is a total loss will be denied? i dont really believe that and think you and ur senile boss are idiots. but i could very well be wrong. wow.

Asks for help and then attacks the person giving him candid advice. Crassic

[porkbutt 861]

Asks for help and then attacks the person giving him candid advice. Crassic

i said i was kidding kid. all the sudden we have thin skin on the geek bored.

[IGotWorms 3,315]

i said i was kidding kid. all the sudden we have thin skin on the geek bored.

Sorry, didn't mean to go all Gepetto on you

[porkbutt 861]

Not to hijack porkbutts thread but after my sons accident I learned that it's really important to have good uninsured / under insured coverage. 100k at the very least. I upped mine to 250k. It only cost me another 50 bucks a year or something nominal to up it that much.

 

The worst thing that can happen is..... something bad happens, and the crackhead, illegal immigrant with no insurance, or old man with the most basic insurance they sell being on the liable end of something. Nothing more will piss you off.

i'm hoping it all goes down smoothly and think it probably will...but if i get royally focked i might lose my mind. if you only knew how it all went down and where. if i'm negligent and could lose my focking house in a case like this...then something is focked up.

[rholio 339]

I'm done helping others..

http://youtu.be/5PDdR6LLCmY

 

Anyone else think of this, reading this thread?

[BunnysBastatrds 1,916]

Sorry bunny, I disagree. If the company pays any part of the claim, they are stuck on the whole thing. If they can deny the liability portion if the policy for leaving it running and unlocked, why couldn't they deny the comprehensive portion of it? Up north, it is common to warm your vehicle up before you drive.

 

 

That's the way we handle it down here. Even though he was dumb enough to leave his car unattended and running in a crack infested hood with a black hooker, we have to pay the comprehensive portion. The insurance companies here will deny the liability as I've explained and those third parties go through their insurance company. If they don't have insurance, their screwed in most cases.