Trash Truck Damaged My Gate – Update
So, the trash truck damaged our gate, and the cost to fix it is $3,000 (including parts and labor). We submitted a claim to their auto insurance, but it was denied because the truck was not insured for business use.
I reached out to the owner, who mentioned he has a business policy and would contact them. However, he also claimed that the driver was just his friend and not an employee, suggesting we pursue him instead. That’s not how these situations work, so it’s clear he’ll be quite difficult.
The auto insurance adjuster advised us to file a claim through our homeowners insurance and then have them seek reimbursement. My question is: will this claim impact my insurance record?
I’m sorry to hear about your situation with the gate. It’s frustrating when accidents like this happen. Regarding your question about filing a claim on your homeowners insurance:
Generally, if you file a claim through your homeowners policy, it could potentially impact your premiums, especially if you have a history of claims or if the amount is significant. However, since you mentioned that your homeowners insurance may pursue the subrogation process against the trash company or their driver, it might help mitigate any impact on your record.
It’s a good idea to discuss this situation in detail with your insurance agent. They can provide clarity on how filing this claim might affect you and guide you through the subrogation process. Hopefully, you can get this resolved soon!