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Question
We live in Key West and for the most part get around on our bicycles (more earth friendly). My partners 13 year old daughter was given a new bike for Christmas and out for a ride to see Christmas lights she ran into a new Jeep. We stopped and it appeared little damage was done (scratch on rear light and bumper). But this morning the young girl who owns the Jeep and lives out of town presented us with a bill for over $900! We believe our auto policy with State Farm has a $500 deductible. Needless to say this has ruined our Christmas and the 13 year old will not be permitted to ride her new bike any more as we can not afford another $500 claim should she crash again. Any advice as to how to handle this situation to make it somewhat more affordable? THANK YOU!
Hi Christie,
Claims such as this do not fall under your auto insurance policy.
The fall under the liability portion of your homeowners or renters policy, which carries no deductible.
Make a report right away to your company so they can investigate the accident.
Unless the Jeep was parked, it's very possible that the 13 year old was not at fault, or only partially at fault.
I hope this has been of help.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | You were exactly right the auto insurance did not cover the accident. In Key West our house is one of the oldest on the island and we are only able to obtain fire insurance instead of homeowners. I was told a company like Lloydsof London would do a homeowners for me with many inspections, upgrades, etc - out of my price range. I know my fire policy covers no theft or the such so I doubt th would cover this but I will call my agent. THANK YOU for your help. PS the Christmas bike will NOT be ridden until she learns how to ride and pay attention to what she is doing. Can you imagine when she turns 16?! Stay off the rodes! | ||
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Answers by Expert:
Bennie719
Expertise
I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.
Experience
Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license.
I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.
Education/Credentials
not applicable
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