Car catches on fire and damages mine, but their insurance doesn’t pay

[Anonymous]

People who only have liability coverage (and no collision or comprehensive) are accepting the possibility of an uncovered total loss on their own vehicle. Liability only covers damage and injury to the other party.

People with liability only usually drive junkers. If that's not the case for OP, she definitely has inadequate insurance.

[Anonymous]

I don't know about whether their insurance should pay or not. (Also any chance you carried uninsured motorist insurance? Unlikely but it's not expensive usually.... You could check.)


But.... In terms of agents on the phone, they have very stringent performance metrics and their calls get randomly screened by supervisors for quality control, so they work on in a stressful environment but they also can't always be running out the clock.

[Anonymous]

Anonymous wrote:Your insurance company will sort it out, fight and get the money from their insurance company. Let the insurance companies handle it.

reading comprehension is an important aspect when you try to contribute to a posts. If you aren't willing to read the thread, then don't post.

Anonymous wrote:In a shopping center parking lot the car parked next to our exploded in flames. Fire department came. The fire heavily damaged our car. Now the exploding car’s insurance company says they don’t cover my damage because it’s an act of god. The owners of the other car hung up when I called. I only have liability insurance. What recourse do I have?

[Anonymous]

At this point OP almost has nothing to lose by filing a pro se action against the owner of the other vehicle, who will almost certainly join the manufacturer as a necessary party.

Cars shouldn’t randomly catch on fire but proof of liability will be an issue without an expert opinion based on an examination of the vehicle. Best case, OP walks away with a default judgment or a settlement that’s more than $0. Maybe a product liability form might agree to a limited representation (sending a demand letter) depending on consequential damages or potential punitives.

[Anonymous]

If you really think it should be covered write a letter of complaint to the state insurance regulator. This worked for me but I was rear ended so simpler situation I think