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Auto Insurance Claims/car wreck
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Question
I was in an at fault accident with full coverage insurance pulling my boat and trailer. I flipped my boat and did dameage to other cars and to my truck and boat and trailer. My insurance has paid for all the cars and my truck,but the said that they will not cover the boat or trailer because it is a recatnatioal vechicle is that true or not, or do they have to fix the boat and trailer? I live in south carolina. Thank you
Hi Tammi,
Unfortunately, your boat and trailer is not covered on your auto policy. You would need a seperate boat policy for that. The boat and trailer is covered as far as liability coverage which is why they paid for the damage to the other cars, but the boat and trailer themselves are not covered.
I hope this helps
Richard Hixenbaugh
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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