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Auto Insurance Claims/Auto or Motorcycle?

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Expert: - 1/27/2012


Question
My son was hauling two strapped motorcycles inside an enclosed trailer with his pick up.  During transport, the motorcycles came unstrapped and fell on top of each other damaging them both.  One was his and one was his friends.  Would this be a claim under his auto policy?  He has full coverage for auto as well as motorcycle in Texas.  Your assistance is appreciated.

Answer
Short answer, he would have to have file it under the motorcycle policy.

Long answer:

  One cannot be liable to themselves, and since the motorcycles were not strapped down properly, that means your son was negligent in securing his load, so his auto liability policy will not cover that.  Since he has full coverage on the motorcycles, then he has a contract that says if they are damaged, the insurance company will pay for it (less his deductible).  

   

I hope this helps!

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Justin Petty

Expertise

I can answer any question regarding insurance claims or automobile values and damages. I've handled claims in almost every State in the U.S. and was the adjuster at the insurance company for years. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals.

Experience

15 plus years of litigation, adjusting and claim recovery experience across the U.S.

Organizations
U.S. City Network, former member of NASP.

Publications
Over 40 published articles and an e-book entitled "How Much is My Injury Worth".

Education/Credentials
3 years college, no degree. Speaks English and Spanish.

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, and numerous individual insurance consumers.

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