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Cars and Transportation
Reply to "Car catches on fire and damages mine, but their insurance doesn’t pay"
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[quote=Anonymous][quote=Anonymous]Was it an act of god or a defect? An act of god is a lightning strike. If the car caught on fire because the wiring was bad or because of the electric battery, that is not an act of god.[/quote] But that does not mean the owner of the other car would be deemed at fault for the defect. If something was wrong with the wiring but the owner would have no reason to know about it before the car caught fire, then the owner generally will not be found at fault because they were not negligent. Liability coverage is typically triggered for accidents for which the insured is legally liable. Sometimes shit just happens without it being someone’s fault. What if a squirrel chewers through a wire - are you going to sue the squirrel?[/quote]
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