- 2,356
Is this Covered by Standard Auto Insurance?
- Thread starter marindependent
- Start date
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- Tags
- auto insurance flood
- 1,058
I mean stupidity isn't an exclusion, but intentional stupidity is excluded, so I'm going with my gut and saying no.
I have no facts to back this argument up
I have no facts to back this argument up
- 2,296
Claims are covered for "sudden and accidental" not deliberate acts. Sending your vehicle into a void to stop a flooding is a deliberate act and fraud
- 2,765
You were fine until you got to those last two words.
People frequently say fraud like it's some sort of magic incantation that automatically brings divine punishment down on the perpetrator. An allegation of fraud requires proof of intent to defraud.
There's no intent to defraud in the scenario described.
Even if a claim was mistakenly made it would just be denied because the policy pays for "accidental" loss to the covered vehicle. Using a truck to dam up a river is not an accidental loss.
- Thread starter
- #5
- 2,356
@adjusterjack - I generally agree with you.
However -
However -
- you should review the new California Fraud training and opine if this is still the case moving forward for CA agents.
- 2,765
Got a link to it?
- 2,296
Turning in a claim after a deliberate act is an attempt to defraud the carrier
Policy Monkey
Super Genius
- 159
Not covered by auto, but possibly by health under the "mental illness" provisions? 
- 2,765
Believe what you want to believe.
- 2,296
Murdaugh faces trial for botched murder for hire fraud scheme. Deliberate act, attempt to defraud carrier
