joycemichelle
Junior Member
What is the name of your state? Ohio. A friend asked my husband to work on a kids dirtbike that did not run. My husband told him it would be a couple weeks before he could get to it. The friend said okay and left the dirtbike in our garage. The dirtbike got stolen. Our homeowners insurance company said they are not responsible because the dirtbike is considered a motor vehicle and should have it's own insurance policy. Our friend wants us to pay $800 for the stolen dirtbike. Are we responsible or can we be sued? The dirtbike was not running at the time and was not insured as a motor vehicle. Our ins. co. said it is a "motor vehicle" and should have it's own insurance or it is under the section of our policy titled "business" purposes. My husband doesn't have a "business" because he doesn't get paid. He was going to fix it for a friend for free.