Jump to content
lucyct

Car fire victims not reimbursable by insurance co?

Recommended Posts

In a private parking lot where I work in CT there was an out of state parked car which burst into flames and damaged three cars surrounding it as well as part of the lot.  Two of the car owners and the building owner just received notice from the insurance co. of the owner of the car which burst into flames, who said they are not liable and all claims are denied except their client.  It was never determined how the fire started and the other vehicle owners were told to either put a claim through their own insurance or sue the building for damages.

 

Is it true that even though there was no known cause of the fire the insurance co. has no responsibility toward the other claimants?  The other claimants are hesitant to make a claim against their own insurance and especially don't believe the building has any liablitly.

Share this post


Link to post
Share on other sites

If the client of the insurance company didn't have liability coverage, it is what it is.  Not sure how someone might conclude that it'd be the building's fault that the car of someone who parked there burst into flames (any more than it is of the owners of cars parked nearby). 

You also don't explain why someone believes the car owner is liable.  You're free to sue him/her if you believe they did something that caused their car to burst into flames.

Folks are free not to claim against their own insurance, but not sure what else you expect folks to suggest.

Share this post


Link to post
Share on other sites

 

Is it true that even though there was no known cause of the fire the insurance co. has no responsibility toward the other claimants? 

 

It's true if the owner of the car was not the cause of the fire.

 

If you can show that the owner of the car was somehow at fault in causing the fire, his insurance company should pay for the damage to other vehicles.

 

Otherwise, the owner's insurance doesn't pay anybody else.

 

 

 The other claimants are hesitant to make a claim against their own insurance.

 

That's dumb.

 

 

 especially don't believe the building has any liablitly.

 

Based on the facts presented I don't see any liability on the part of the building owners either.

Share this post


Link to post
Share on other sites

Two of the car owners and the building owner just received notice from the insurance co. of the owner of the car which burst into flames, who said they are not liable and all claims are denied except their client.

 

I will assume you misused "they" and were intending to refer to the insurance company.  FWIW, the insurance company has no liability to the owners of the other cars even if the insured owner did have liability.  The insurer merely owes the insured a duty to indemnify the insured in the event of a covered loss.

 

 

 

It was never determined how the fire started and the other vehicle owners were told to either put a claim through their own insurance or sue the building for damages.

 

Told by whom?  And, while one technically can sue a building, it would be awfully silly to do something like that.

 

 

 

Is it true that even though there was no known cause of the fire the insurance co. has no responsibility toward the other claimants?

 

The insurer for the vehicle's owner would be obligated to pay the claims of the owners of the other cars if it could be determined that the fire resulted from the insured owner's negligence (or intentional action).  If the cause of the fire is undetermined, that means it has not been established that the fire resulted from the insured's negligence (or intentional action).  Therefore, the insurer has no obligation to pay.

 

 

 

The other claimants are hesitant to make a claim against their own insurance

 

Why?  Isn't that why they pay for insurance?

 

 

 

and especially don't believe the building has any liablitly.

 

They're certainly correct about that.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Loading...

×
×
  • Create New...