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Auto Insurance Claims/Woodchuck ate my wires in my car

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Expert: - 5/29/2007


Question
I was parked in my company parking lot and decided to drive to lunch.  I tried to start up my car but nothing happened.  I looked under the hood and found that something ate all the wires under the hood.  We later found out it was a woodchuck because it was in another workers car.  We found the woodchuck as it was climbing out of his engine.  Is this something that my insurance should cover?  

Answer
Hi Michael,

It sounds like some kind of Caddyshack sequel movie!  Yes, this comes under your comprehensive policy.  Your rates cannot be raised for using your policy since this is not an at-fault claim.

You will have to cover the deductible, so if it is high, you will likely just pay out of pocket for the repairs.

Interesting story, though.  Maybe sell it to Reader's Digest and earn the money to do the repairs.

Best wishes,

Dr. Settlement, J.D. (Juris Doctor)
www.SettlementCentral.Com

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27 years of front line plaintiff`s trial lawyer experience in PERSONAL INJURY INSURANCE CLAIMS. Along with other attorneys and insurance adjusters, we have created a website to help injured people settle their own personal injury claims. With the help from feedback from hundreds of satisfied members, www.settlementcentral.com has become THE AUTHORITY for Internet personal injury insurance claim settlements. I am humbled and honored if people can benefit from my experience and current volunteer work in helping injured people. I hope I can explain things in a manner that is useful for the questioner. If not, do not hesitate to e-mail me and I will take a second shot at it! Best Wishes for your physical and financial recovery.

Experience



Life Experience: 27 years of front line plaintiff's trial lawyer experience

Organizations:
American Trial Lawyers Association
Washington State Trial Lawyers Association

Publications: (Click on Title to Read)
Statute of Limitations
Vehicle Accident
Accident--Adjuster
Demand Letters
Policy Limits

Education/Credentials: J.D. (Juris Doctor) 1977

Awards and Honors: I am humbled and honored everytime I am selected to help injured people. And when people give feedback that they have benefited from my experience and current volunteer efforts, then that is a double honor and award for me.
 

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