My car turned into a giant robot and damaged my house – goes on homeowners or automotive insurance?
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Saw the movie ‘Transformers’ and this is what occurred to me during a particular scene, thought it might be fun for the insurance folks to debate (apologies if you find it too spammy). Maybe the answer is to try and sue the car’s leader, Optimus Prime, but I don’t know what insurance court can hold accountable a sentient robot from outer space.
Aren’t you glad you’re not my agent? . . . lol.
Here’s the response scorecard so far:
Home Auto Neither
Why!? x
Buddy x
ivory 2004 x x
StephenWeinsteinx x
mbrcatz17 x x
Very interesting indeed! But wouldn’t my car becoming sentient be equivalent to someone borrowing or stealing my car, so possibly their policys should be charged?
Dang! The formatting of the table above didn’t carry over! Here it is again, with H=Homeowners, A= Automotive, N=Neither:
Why!?: A
Buddy: N
ivory 2004: H A
StephenWeinstein: H A
mbrcatz17: H or N
1 Comments on this post
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MSAD said:
If you are the owner of the car – then the automobile policy would not pay for your house (because you can not be liable to yourself and liability coverage is what pays for other peoples damages). Your car, would be repaired under the collision coverage of your auto policy.
Your homeowners policy would pay for the damage to your house.
It’s not unusual to get a claim for a car that was not in gear and rolled into a house. I guess this is the closest thing to the above example.
Now…If you could prove Optimus Prime instructed the car to damage your house…your home owners insurance company would subrogate back against Optimus. Of course, you as the owner of the car, may have some liability. If the car is a minor (and therefore under the age at which you are legally responsible for your actions) then you as the owner (or parent) of the car my be responsible – were you not properly supervising your car? Where you aware of Optimus Primes reputation for destruction when you left your car in the care, custody or control of Optimums Prime?
Ultimately, you want to be thankful that Optimus sicked your car on your own house and not the neighbors house.
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0November 28th, 2009 at 8:05 pm
