Coverage Question

[xrac]

If someone spills a soft drink in their car and it goes into the shifter and shorts out wiring and an electronic solenoid creating an expensisve repair is this covered under one's comprehensive coverage? Does it matter if the person who spils it is the owner or someone else? Will home owners cover anything like this?

 

[senior-advisor-indiana]

If someone spills a soft drink in their car and it goes into the shifter and shorts out wiring and an electronic solenoid creating an expensisve repair is this covered under one's comprehensive coverage? Does it matter if the person who spils it is the owner or someone else? Will home owners cover anything like this?

Sounds like someone has been drinking and driving.

 

[Guest]

XRAC,

This would fall under comp coverage, but I have to think, it would vary by carrier if it would be covered...

I remember, maybe last year, Farmers changed their policy where it wouldnt cover if an animal crawled up into the engone compartment and chewed up the wires....my question in this as well as your issue, how often does this happen that you would have to exclude it?

I would "expect" if you have been with a carrier for a decent amount of time, will few claims, they would pay it even if it wasnt covered....

 

[djs]

If comp coverage is all peril, it should be covered. Not all carriers are all peril on comp though. To RBA's point, Farmers used to not be, just switched to being all peril.

I think Geico and progressive both are not all peril, but I could be wrong.

Homeowners would not cover this, unless you spilled it in someone elses car.

Dan

 

[xrac]

Thanks for the input everyone. This was not my car but was someone I know. I suspect they will windup with a $300 plus repair bill depending upon whether it requires parts or cleaning. I thought this could possibly be a claim. However, his carrier is Progressive.

 

[Turz]

If comp coverage is all peril, it should be covered. Not all carriers are all peril on comp though. To RBA's point, Farmers used to not be, just switched to being all peril.

I think Geico and progressive both are not all peril, but I could be wrong.

Homeowners would not cover this, unless you spilled it in someone elses car.

Dan

He's right.

And now I come to find out the forum requires my post to be 20 characters. Which is why you get this dumb comment.

I dislike that rule.

 

[BlockO]

If someone spills a soft drink in their car and it goes into the shifter and shorts out wiring and an electronic solenoid creating an expensisve repair

how expensive?

solenoids are usually less than $100.. wires can't cost that much.

point is, unless your friend has a zero or $100 comp deductible, or there's more damage than what you mentioned, I can't see the repair estimate exceeding the deductible.