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 Posted: Fri Jun 27, 2008 1:15 pm Post subject: Comp vs. collision? |
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If a vehicle owner drives away from a gas pump with the nozzle still attached and damages his vehicle (and the gas pump) would you consider that comp or collision to the owners' vehicle?
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meusa12
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| Posted: Mon Jun 30, 2008 8:11 am Post subject: |
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| Quote: | | If a vehicle owner drives away from a gas pump with the nozzle still attached and damages his vehicle (and the gas pump) |
 lemme repeat you drove alway with the gas nozzle still attached to the car? Wow! great incident.
However, I think the damages to your car will be addressed by the collision part of the insurance, whereas the damages to the gas station will be taken care of by the liability component.
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flabbergasted
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| Posted: Mon Jun 30, 2008 8:31 am Post subject: |
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Hi meusa, can you just put some more info to your query? its very vague as to give any certain reply.
exactly, how you have sustained damages?
Its not working, we need more information.
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anony_moss
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| Posted: Mon Jun 30, 2008 8:44 am Post subject: |
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Collision coverage will come into play, when the car hits or gets hit by another object. There might be several categories like collision insurance old car policies or collision insurance new car policies, but I doubt if the definition of collision coverage applies to this situation.
Similarly, comprehensive coverage compensates for the damages sustained by the vehicle other than collision.
You really need to speak to an adjuster regarding this issue.
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cameronhollyman
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| Posted: Mon Jun 30, 2008 11:49 am Post subject: |
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First anony_moss,
| Quote: | | Hi meusa, can you just put some more info to your query? its very vague as to give any certain reply. |
It's not vague at all..
| Quote: | | exactly, how you have sustained damages? |
From the nozzle...
| Quote: | | Its not working, we need more information. |
No, in this case we don't...
Sorry, but I agree it's collision...
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Lori
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| Posted: Mon Jun 30, 2008 4:11 pm Post subject: |
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I would have to agree it's collision, only as it does not meet the definition of the named perils under comprehensive (the closest being "falling object"). Granted, it does not seem like a "collision" on the vehicle did not really collide with the nozzle, it was more or less attached to the vehicle at the time. Of course, I've been wrong before.
Great question!
I've always thought that I'd _HATE_ to see the amount of the liability claim on something like this. I'm sure it's not cheap. |
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tcope
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| Posted: Tue Jul 01, 2008 12:00 am Post subject: |
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I worked one once where a 16 yr old driver allowed her 15 year old boy friend to drive mom's car, right into the gas pump, and yep, you guessed it KA-BOOM! Fortunately for all concerned no injuries...It was a 'scene call' and I arrive same time the cops/firetruck did...little girl tried to fib to ole' Mama Lori about who was driving, didn't take long to get the truth out of her...cost of letting your 16yr drive your car and use bad judgement 25k (and change) OVER the property damage limit of 25k....
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Lori
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| Posted: Sat Aug 02, 2008 11:15 pm Post subject: headlight broken at grocery store parking lot |
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I did not notice until days later, since I don't drive my car that often.
What should my next step be...report it to insurance co? make a police
report first? Will this be considered as collision or comprehensive. THX.
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anonymous5432
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| Posted: Sun Aug 03, 2008 12:11 am Post subject: |
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Oh yes...you most definitely want to report this to your insurance carrier because if there is damage to the gas pump nozzle, your insurance company needs to be notified of the damages and of any liability exposure. I encourage you to contact your carrier as soon as possible.
This would be considered a collision claim but again as mentioned in another post, check with your adjuster.
You may want to take the time to make a station report at your local police sub-station. That is up to you but I always advise clients to make a police report. File the report for your own protection. I cannot go into a lengthy explanation as to the "why's" but it is a good idea. It is important to protect yourself by filing the report to make sure you are not held responsible for any damages other than what your b/f caused. Unfortunately there are people out there that may try to claim damages other than those your b/f caused. For your own protection, file the report.
As stated by flabbergasted, the liability portion of your policy will cover damage(s) to the gas station.
I have always been nervous of doing the same thing!! This is something that could easily happen to any of us.
Don't stress too much...you will be okay. Just make sure you file the claim with your insurance company & a sub-station PR. It is really important due to 3rd party involvement.
Hope this helps... |
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daystar
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| Posted: Sun Aug 03, 2008 12:15 am Post subject: |
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| Sorry for referring to a b/f. I was thinking about Lori's post that mentioned a b/f. My apologies. I am new here. lol. |
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daystar
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| Posted: Sun Aug 03, 2008 10:41 am Post subject: |
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anonymous5432, did you hit something or find it broken (someone hit you?)...if you have damaged someone elses property you need to report it asap...other wise you might want to see if replaceing the headlamp is less than your deductible first...it would definately be collision either way.
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Lori
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| Posted: Sun Aug 03, 2008 2:50 pm Post subject: |
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| Whoops...again I apologize. I was getting my posts mixed up. Sorry! |
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daystar
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| Posted: Mon Aug 04, 2008 5:01 pm Post subject: |
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I saw this happen once. The damage to the car was minimal and it was just the pump hose that was damaged. A quick thinking bystander turned off the pump before too much gas spilled.
The owner of the gas station paid for the repairs to the pump in the interest of "customer relations". I'm not sure he would have been so generous if the damage was bigger than just the hose though.
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I agree that it seems to be collision for the car and liability for the pump.
I am a little confused though - is "anonymous5432" and "meusa12" the same person?
Meusa12 - Do you mean that you did not notice the damage to your car right away? Surely you knew about the damage to the pump right away and some sort of report was filed at that stage?
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OntarioBroker
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| Posted: Mon Aug 04, 2008 9:56 pm Post subject: |
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daystar, don't sweat it...
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Lori
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| Posted: Thu Aug 07, 2008 4:04 am Post subject: |
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Thank you Lori.  |
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daystar
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