- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: OT liability question. Car vandalized at a repair shop UPDATE
Posted on 7/24/18 at 11:42 am to castorinho
Posted on 7/24/18 at 11:42 am to castorinho
How does it work if you drop off your car for repair work the next day and put your keys in the slot? Who has custody?
1
Posted on 7/24/18 at 11:58 am to Placebeaux
Does the shop also do paint and body work? If so, it sounds like the owner is creating work for his business.
Posted on 7/24/18 at 12:04 pm to castorinho
Are you just guessing that or do you know for a fact?
Posted on 7/24/18 at 12:08 pm to Placebeaux
If you made arrangements with the shop and they accepted your vehicle for repairs with the understanding youwould leave it on their premises overnight then their garagekeepers liability insurance would cover the loss.
If you just parked it there with the intent to arrange the repairs the next day then youhave no claim other than a comprehensive claim under your own policy if you have that coverage.
If you just parked it there with the intent to arrange the repairs the next day then youhave no claim other than a comprehensive claim under your own policy if you have that coverage.
Posted on 7/24/18 at 12:11 pm to Placebeaux
quote:
dropped it off for repair
this is covered under a garagekeepers liability policy. You should be fine. Shop should report the damages and ensure their policy covers vandalism, which it very well should. Either way, insured or not, they are on the hook.
Posted on 7/24/18 at 12:12 pm to CaptainsWafer
quote:
File a comp claim, pay your $100 and move on with life.
ETA Let me add that you do this in order for your car to be repaired sooner than later, and let your insurance company deal with getting their money back.
I doubt the adjuster will pay this one. He should be paid by the shop in a matter of days anyways.
Posted on 7/24/18 at 12:12 pm to poochie
quote:
How does it work if you drop off your car for repair work the next day and put your keys in the slot? Who has custody?
I'd imagine you're on the hook for it until they take possession of the vehicle.
I'm not an attorney.
Posted on 7/24/18 at 12:18 pm to bigwheel
quote:
If the shop has Garage Keeper Liability, think there is a fence requirement, hope you have comprehensive
you're thinking of open lot coverage for auto dealers and whatnot. Not all repair shop GK coverage requires a fence.
Posted on 7/24/18 at 12:22 pm to cas4t
I believe garage keeper insurance is for damage they do to the car, not a vandal.
Posted on 7/24/18 at 12:25 pm to Placebeaux
quote:
I believe garage keeper insurance is for damage they do to the car, not a vandal.
nope, theft and vandalism are covered. Unless they buy the shittiest GK policy available.
Posted on 7/24/18 at 12:27 pm to Placebeaux
quote:
I believe garage keeper insurance is for damage they do to the car
What can be done if one place messes up your car when they repair it? Made the payment and a week later it was busted. Brought it to a 2nd place who confirmed it was them who messed it up and fixed the problem caused by the 1st place. Can you fight to get that money back from place 1? Take them to court?
Posted on 7/24/18 at 12:30 pm to ShootingsBricks4Life
quote:
Can you fight to get that money back from place 1? Take them to court?
yes
Posted on 7/24/18 at 12:31 pm to cas4t
You sure?
Posted on 7/24/18 at 12:32 pm to Placebeaux
quote:
You sure?
Technically, I can't be 100% sure, because every insurance policy can be different.
But I have never seen a GK policy that didn't cover vandalism. Ever.
eta there are 3 ways to write GK, all of which should cover vandalism.
This post was edited on 7/24/18 at 12:36 pm
Posted on 7/24/18 at 12:34 pm to Placebeaux
quote:why are you pretending you aren't the garage keeper here?
believe garage keeper insurance is for damage they do to the car, not a vandal
Posted on 7/24/18 at 12:41 pm to PearlJam
I never said who I was
There have been a lot of assumptions in this thread
There have been a lot of assumptions in this thread
This post was edited on 7/24/18 at 12:42 pm
Posted on 7/24/18 at 12:41 pm to cas4t
What if they dont have that coverage?
Posted on 7/24/18 at 12:44 pm to Placebeaux
quote:
What if they dont have that coverage?
they are still liable and should fire whoever placed their insurance on their behalf. If their agent offered it, and they didn't accept it, they are too dumb to run a business. It's undoubtedly their most glaring exposure, and buying adequate insurance is their duty as a business owner.
I really hope you're not the shop owner who didn't buy GK.
This post was edited on 7/24/18 at 12:48 pm
Posted on 7/24/18 at 12:49 pm to cas4t
Welp, looks like this person is going to court. First place charged $700....2nd place charged $650 to fix everything up. It was at the VW place on vets. VW place on westbank fixed everything.
Again, not my car but know the situation well.
Again, not my car but know the situation well.
Posted on 7/24/18 at 12:52 pm to Pico de Gallo
quote:
This is why rental places tell you they're not liable for damages if anything happens to a drop off overnight.
While you are parking your car at the rental car place, they are not "in possession" of your vehicle. If you are dropping your car off for repairs, then they are "in possession" of your vehicle. Two completely different scenarios.
Page 2 of 3
Popular
Back to top
Follow TigerDroppings for LSU Football News