Subject: Update on My Damaged Gate – Part 2
Unfortunately, the trash truck damaged our gate, and the replacement will cost $3,000, including parts and labor. We attempted to file a claim through their auto insurance, but it was denied because the truck wasn’t covered for business use.
I spoke with the owner, who claims to have a business insurance policy and said he would reach out to them. However, he insists that the driver was just a friend and not an employee, suggesting we pursue him instead. That’s not how things should work in business. It’s clear this will be a challenging situation to navigate.
The auto adjuster recommended that we file a claim through our homeowners insurance and allow them to subrogate the cost. My concern is whether this claim will impact my insurance record. Any advice?
I’m sorry to hear about the trouble with the trash truck and your gate. It sounds like a frustrating situation. Regarding your question about filing a claim under your homeowners’ insurance, generally, it won’t be held against you in terms of raising your premiums unless you file multiple claims or your insurer deems the claim significant.
However, it’s essential to check with your insurance company directly to understand their specific policies and how subrogation works in your case. They can provide clarity on what happens after your claim is submitted and whether it would impact your future premiums. If you do go this route, be sure to document everything related to the incident, including conversations with the trash company and any repairs needed. Good luck!