The car I was parked beside got set on fire but my car got damaged also. Which insurance pays? The insurance of the car I was parked by?
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UPDATED: Jan 9, 2012
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Insurance Question from Tulsa, OK
Asked on 01/09/2012
The car I was parked beside got set on fire but my car got damaged also. Which insurance pays? The insurance of the car I was parked by? NULL
Answer given on January 10, 2012
There are a couple of questions that are not clear? Did the other car have liability insurance? How did the other car catch fire (was it vandalized, did the engine just catch fire while it was being worked on?)? It would seem that if another party was involved, any liability insurance they have would pay. Liability is the issue. If the insurance carrier for the car that was set on fire determines it is not liable for the fire, then they may deny the claim for your car saying it was not liable. If this is the case and if you have comprehensive coverage on your car, see if your carrier will pay for your damage and then subrogate against the responsible party. This will help you recoup any deductible you will have to pay.
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