Auto Insurance Claim Question

[kelleigh1]

If you break your windshield because you got mad and through your cell phone through it, do you think your insurance company should/will pay for it?

And no, I didn't do this.

 

[SleepyMom]

I guess it would depend on what you told the insurance company had happened.

On a side note, the person must have VERY mad to throw a cell phone through a windshield, I wouldn't have thought that possible.

 

[kelleigh1]

If I heard correctly, this is not the first time this person has done this. Seems pretty childish to me.

 

[ducklite]

I don't think that insurance companies generally pay claims for deliberate damage.

I would think it would take some effort to throw a cell phone through a windshield, but

Anne

 

[Hedy]

If you break your windshield because you got mad and through your cell phone through it, do you think your insurance company should/will pay for it?

And no, I didn't do this.

No.

 

[Mr. Malaprop]

If they told the insurance adjuster the truth, the answer is no, they will not pay for deliberate damage (nor should they). Of course, they could lie...

 

[Tigger By The Tail]

If you break your windshield because you got mad and through your cell phone through it, do you think your insurance company should/will pay for it?

And no, I didn't do this.

I think that falls under the stupidity exclusion in the policy conditions

 

[ducklite]

I think that falls under the stupidity exclusion in the policy conditions

Anne

 

[Tybug]

I think it's time to upgrade to a smaller cell phone. That would have to be one big phone or one thin windshield...

 

[Tigger By The Tail]

I think it's time to upgrade to a smaller cell phone. That would have to be one big phone or one thin windshield...

Who is the friend......Randy Johnson?

 

[kelleigh1]

I think that I should post all the stupid questions that I hear from my coworkers kids. They call her all the day long. This morning, it was the cell phone through the windshield and when she said "I don't know if the insurance will pay for it. Call your sister?" I was thinking, "really, is that even something you'd have to question?"

The younger sister apparently works for an insurance agent. (The older sister apparently broke the windshield and the first person she calls is the mother.)

Last week, the brother had some car issue and he called mom to find out what he should do. He has no clue how to do anything for himself.

Now these "kids" are all in their 20's. I suggested a AAA membership might be a good gift idea.

 

[hlbtimes2]

I cant imagine wanting to submit that claim and risking my rates going up. I think I would just pay for the repair myself. Sometimes you have to think long term.

 

[Tigger By The Tail]

Now these "kids" are all in their 20's. I suggested a AAA membership might be a good gift idea.

Definately!! Or maybe anger management classes

 

[kelleigh1]

I think it's time to upgrade to a smaller cell phone. That would have to be one big phone or one thin windshield...

It's possible that it didn't go "through", but maybe it just broke the windshield.

 

[Green Tea]

glass is covered under comprehensive. So yes, they will pay the claim if the policy holder has comp.

 

[Tybug]

It's possible that it didn't go "through", but maybe it just broke the windshield.

Um yes. It was tongue in cheek... and taken from the OP.