vehicle damage

[sharhack]

What is the name of your state?What is the name of your state?Ohio
We had a bad storm at our home which blew a transformer that is on a pole in our yard. My truck was parked in the driveway. A piece of insulator shot through the back window and broke it. Who is responsible for replacing it? The electric co., the homeowners insurance, auto insurance or me?

 

[I AM ALWAYS LIABLE]

What is the name of your state?What is the name of your state?Ohio
We had a bad storm at our home which blew a transformer that is on a pole in our yard. My truck was parked in the driveway. A piece of insulator shot through the back window and broke it. Who is responsible for replacing it? The electric co., the homeowners insurance, auto insurance or me?

My response:

It's not the electric company, because the "efficient proximate cause" of the transformer's malfunction was "the storm", which is a "natural" occurrence.

Your homeowner's policy is not responsible because, like most such policies, there's a specific exclusion concerning vehicles; e.g., that's why auto policies are sold.

So, it must be your auto policy that's "on the hook" under your "comprehensive" coverage.

IAAL

 

[sharhack]

Ohio
Here is the problem with the auto insurance paying for it. I had my insurance through the credit union who holds the lien. They failed to inform me that they didn't put insurance on the truck this year, even though I have a notice of renewal of collateral protection insurance policy from them. They informed the insurance company that they declined it but not me. I have been driving around since February without any insurance. Shouldn't they have notified me? I would not have driven without insurance had I known. Do I have 'a leg to stand on'?

 

[I AM ALWAYS LIABLE]

Ohio
Here is the problem with the auto insurance paying for it. I had my insurance through the credit union who holds the lien. They failed to inform me that they didn't put insurance on the truck this year, even though I have a notice of renewal of collateral protection insurance policy from them. They informed the insurance company that they declined it but not me. I have been driving around since February without any insurance. Shouldn't they have notified me? I would not have driven without insurance had I known. Do I have 'a leg to stand on'?

My response:

No. It's up to you, as the registered owner, and as a driver, to know whether you have sufficient insurance, or insurance at all. Besides, the credit union insurance doesn't cover YOU. It's called "Single Interest" insurance - - and that means their insurance only covers the remaining balance on your loan in the event your vehicle is a total loss, which means that only the balance would be paid off - - but you'd still be without a vehicle.

You're on the hook, and you should be glad an officer of the law didn't stop you on the road. Then you'd be asking why your license was suspended.

IAAL