Are there property damage liability deductibles?

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Posted: Fri Oct 24, 2008 5:15 pm Post subject: Are there property damage liability deductibles?

If someone hit our mailbox will there be a deductible on their insurance policy to replace the mailbox (brick structure)

llibicats

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Posted: Fri Oct 24, 2008 5:24 pm Post subject:

If you file it under your HO property damage, then yes - you will pay the deductible. Any chance you have a confession from the person who did it? If so, you can file it under his auto policy. And you won't pay a deductible. _________________ Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller

LifeIsGood

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Posted: Fri Oct 24, 2008 11:22 pm Post subject:

Quote:

be a deductible on their insurance policy

No there will not it will be paid under the liability section ''Property damage" coverage, no deductible.
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.

Lori

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Posted: Sat Oct 25, 2008 6:33 am Post subject:

Quote:

If someone hit our mailbox will there be a deductible on their insurance policy to replace the mailbox (brick structure)

If the other party has accepted the liability then his insurance company would take the responsibility to repair the damage. And deductibles, normally do not apply to the liability coverage.

However, if you have decided to turn the claim to your homeowner insurer then you may have to make the out-of-pocket expense as stated in the policy document.

Hope it clarifies.

JeremyHolter

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Posted: Sat Oct 25, 2008 11:05 am Post subject:

I agree with Lori. When my hubby hit my brothers truck with his yard tractor we did not have to pay the deduct because it fell under the propery damage part of our policy.