Brand new furniture was destroyed due to a fire in the back of a rented pickup truck. Will my insurance cover my furniture and the rented truck?
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UPDATED: Aug 21, 2014
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Insurance Question from Black Horse, PA
Asked on 08/21/2014
Brand new furniture was destroyed due to a fire in the back of a rented pickup truck. Will my insurance cover my furniture and the rented truck? Please help... I never even got to open my furniture out of the wrapping.
Answer given on August 26, 2014
If there was a fire that destroyed a rented vehicle your insurance company may pay for the damages to the truck, depending upon what caused the fire. If it was a vehicle malfunction they may deny coverage on the truck, since it was caused through no fault of yours. You need to work with the insurance company to be sure you are protected if the rental company tries to come back to you for the cost of the truck. If the fire was caused by something that you did, then the insurance company will pay for the damages, or if the truck is a total loss, they will pay the actual cash value of the truck.Your personal property that was destroyed in the fire will be covered under your homeowner insurance policy, less the deductible. Since the property was new there will be no depreciation issues at all. Again, if the fire was due to a malfunction of the truck, the insurance company may subrogate against them for the personal property. If they are successful then you will get your deductible back from the insurance company.
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