Auto Insurance Coverage and Parked Cars – Who’s at Fault?

Auto Insurance Coverage and Parked Cars – Who’s at Fault?

When you’re involved in an auto collision in a parking lot, it’s usually treated the same as a collision on the road. Parking lots and driveways are considered private property while roads are public. Regardless, your auto insurance will cover you no matter who the roadway belongs to, and the insurance company will treat the claim more or less the same. They will investigate the claim, determine who is at fault and pay out depending on what the outcome of their investigation is. When it comes to who is at fault when a parked car is involved, things can sometimes get a little sticky. Only 12 states in the US are no-fault states, the rest are known as “tort states” and in these states, auto insurance companies will use a special set of rules to determine who is at fault when a collision involves a parked car. The rules are pretty simple: any time a driver hits a parked vehicle, the driver of the moving vehicle is at fault unless the other vehicle was parked illegally. For example, if you’re driving through a parking lot and hit a vehicle legally parked in one of the spaces – it’s your fault. However, if you were to hit someone parked in a red zone, or while they were committing another parking violation, then it would be their fault. For the most part, parking lot collisions are handled the same as collisions on the roadway, and your auto insurance policy will cover you. Interestingly, there is a type of collision that’s unique to parking lots – two drivers backing into each other....
Will My Homeowners Insurance Cover My Broken Air Conditioner?

Will My Homeowners Insurance Cover My Broken Air Conditioner?

When the summer heat is making life outside miserable, having an air conditioner in your home can be a godsend – when it works. If your in-home air conditioning unit is broken or destroyed, it’s possible that your homeowners insurance will cover a replacement or repairs if it was mother nature who did the did the damage. Unfortunately, if your air conditioning unit is on the fritz because of normal wear-and-tear, neglect, or a general maintenance issue, you’ll probably have to come out-of-pocket for repairs or a replacement. Of course, the coverage provided by homeowners insurance policies varies widely, and the type of air conditioning unit in your home will have an effect on whether or not your insurance will cover repair or replacement costs. For example, a/c units that fit in the window are usually considered personal property and not covered by homeowners insurance under any circumstances (unless perhaps it was stolen). Units that are built-in to the home are a different matter. This type of a/c is considered to be part of the home and will therefore be covered under whichever circumstances your homeowners policy states. As mentioned above, general wear-and-tear or other maintenance issues are not usually covered by homeowners insurance. If you live in an area that gets snow and ice and your a/c is damaged or destroyed because of it, you may be able to file a claim. Additionally, if your a/c is damaged by a falling tree or branch, a wild animal, or from some other natural occurrence, you may be covered. It all depends on the specifics of your individual homeowners insurance...
Summer Maintenance Tips to Save on Homeowners Insurance

Summer Maintenance Tips to Save on Homeowners Insurance

The right homeowners insurance plan will provide you with protection in just about any foreseeable situation. However, there is one situation in which your homeowners insurance company can refuse to pay out on a claim no matter how comprehensive your policy is: neglect. Modern life is busy and things will fall through the cracks once in awhile. Unfortunately, when one of those things happens to be home maintenance, you could end up needlessly having to pay out-of-pocket to make repairs your insurance won’t cover. That being said, here are a few summer maintenance tips to help keep your home in tip-top shape. Check Your Roof It doesn’t rain much here in Southern California – which can be a problem in more ways than one. In places where it rains regularly, damage to the roof of a home is often noticed when it’s small. A bit of rain water seeps in through the crack and leaves its tell-tale mark on the home’s ceiling. However, when it’s dry most of the time, a leak in the roof may not be noticed until it’s much larger, resulting in significantly more damage. Your roof should be checked at least once a year, and any missing tiles or shingles should be replaced immediately. Clean Your Gutters Clogged gutters can be a hassle, and cleaning them regularly can help prevent unnecessary leaks and clogs. Gutters get heavier as they fill with wind-borne detritus and can easily fall off and break satellite dishes, damage vehicles, and smash windows. Evaluate Siding The siding on your home does an important job in protecting the structure from the elements....