Wife hit my car

[mbeland]

What is the name of your state? Florida

My wife hit my car and Geico is indicating that I must pay 2 deductibles on my policy because they have to file 2 collision claims, since both vehicles are covered under the same policy and are owned by my wife and I. Why must 2 claims be filed and why are damages to my vehicle not covered under the liability coverage. They keep stating the exclusionary clause of "property owned" in the liability section.

[ecmst12]

Did you read the clause?

[mbeland]

Yes, under the liability section it states that they do not cover any damage to : (a) property owned, or transported by an insured; or (b) property rented to or in charge of an insured other than a residence or private garage.

The thing is that the language of the document states specifically that of owned auto and non-owned auto, but not in this clause, therefore leading me to think that the property mentioned here does not include my automobiles.

Any thoughts?

[averad]

Property owned can be anything (including a car).

2 Cars 2 deductibles it makes sence

[tammy8]

And you can't be liable to yourself.

[weenor]

"property owned by the insured" likely includes your auto and since you and your wife are "insureds" under the policy, coverage is excluded....check the definition of property in your policy.