Does liability auto insurance cover arson?
Question:
Answer:
No Liability only covers another car if he is involoved in a wreck. However your homeowner's policy may cover it if it was parked in your driveway. Tell him to talk to his homeowners agent.
No, you need comprehensive coverage.
Call the police anyway no matter what.
Some one burned up your van on purpose and that's against the law. Press charges when/if they catch the person and take the person to civil or small claims court.
i dont think so, but i hope they catch the one responsible for this
Liability is not Comprehensive Insurance.
Depends on if he or a household member did it, and what coverages are actually on the policy. If it's not him or a household member, and you have "comprehensive", "FTCAC" or "fire" coverage, the fire will be covered.
If he has a loan on the van, and it's "lender loss payable" clause, then the lender gets the money up to the loan balance, even if your father set the fire.
You will NOT automatically get a copy of the police report, you will have to ask for it.
I agree with Mike, if it was parked out front of your house, it'd be your homeowner or renters policy. Even if you had full insurance on the van it'd still go through your homeowner policy first. If no homeowner/ renters policy I'm afraid you'd be out of luck.
You should however still make a police report, if the guys are ever caught they might be ordered by court to pay restitution, you want your name there.
Good Luck!
No. This is a comp loss. Coverage covers the vehicle only, homeowners covers home ONLY. Now, if your home burned down and also set your neighbors car on fire, homeowners will cover that.
The only way your auto insurance will cover damage to your vehicle caused by fire would be if you carried comprehensive coverage. If you have that coverage, report it, and they will investigate.
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