Legal Question in Insurance Law in California

Coverage for Fire Damaged Vehicle

My car was parked in the parking lot on my job site in Stanislaus County, California. A vehicle in the parking space next to mine caught on fire. As a result, my car caught fire causing approximately $5k damage. I carry PDL Insurance and the other vehicle has full coverage. I am informed that neither my insurance, nor the other vehicle's insurance, will cover damages to my car. What can I do? I feel very mis-lead by my insurance company, as I am sure others may be. This should be an incident, certainly beyond my control, that should be covered under my policy. Any information you could provide would be greatly appreciated.


Asked on 5/04/06, 4:39 pm

2 Answers from Attorneys
Carl Starrett Law Offices of Carl H. Starrett II

Re: Coverage for Fire Damaged Vehicle

It's not entirely clear from your question WHY the two insurance carriers are denying coverage. You need to get their reasons for denying coverage in writing and then consult legal counsel about your rights. With respect to your own insurance, you should request a copy of the policy showing what coverage and have paid for.

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Answered on 5/16/06, 4:04 pm
Steven Murray Steven W. Murray, APC

Re: Coverage for Fire Damaged Vehicle

The other vehicle's property damage liability coverge should cover your claim for property damage to your vehicle, unless the other owner can show he/she is not responsible (which might be hard to do.)

In addition, what might have gone on in the parking structure? Possibly that party may have played some role - what did the fire department report or police report say? It may even be that some third party (repairer of the other vehicle, etc.) has an involvement.

Regardless of the above, your own comprehensive coverage (or possibly collision if part(s) of the other vehicle came in contact with yours) should be available to fix your vehicle. Your own liability coverage is only for damages to the property of others.

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Answered on 5/16/06, 4:42 pm


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