858 Spontaneous Combustion

[IDspud]

My truck and trailer insurance covers cargo.

 

[NHRoadking]

Maybe Cat is getting their gas tanks from Polaris?

 

[turboless terry]

My truck and trailer insurance covers cargo.

Yours does but not everybody s does. They have to set that up that way.

 

[tenacious84]

I bet you're wrong on that. A friend had trailer come off because of pin and another buddy's sled was in there. Owner of trailer was insured but other didn't have insurance on his. It was not covered.

What would typically happen is if your friend (who didn't have coverage) had insurance, his insurance would have covered the loss. That insurance provider would have then gone after the insurance provider for the trailer and recovered the loss from that provider because that provider was the insurer of the cause of the loss. However, because your friend didn't have coverage, they denied the claim and he should have engaged legal representation. Once served, the insurance company would likely have covered his loss. This is how today's insurance industry works, they refuse to pay until served legal notice. Even then, they will sometimes (higher dollar cases) take it to court because there is always a chance some extenuating circumstances could be found during the discovery process. Typically this relevant to settlements of tens or hundreds of thousands of dollars or millions of dollars, but the principal is still the same. It's easier and more profitable for the insurance company to deny the claim until forced to do so by legal means.

 

[Sheetmetalfab]

What would typically happen is if your friend (who didn't have coverage) had insurance, his insurance would have covered the loss. That insurance provider would have then gone after the insurance provider for the trailer and recovered the loss from that provider because that provider was the insurer of the cause of the loss. However, because your friend didn't have coverage, they denied the claim and he should have engaged legal representation. Once served, the insurance company would likely have covered his loss. This is how today's insurance industry works, they refuse to pay until served legal notice. Even then, they will sometimes (higher dollar cases) take it to court because there is always a chance some extenuating circumstances could be found during the discovery process. Typically this relevant to settlements of tens or hundreds of thousands of dollars or millions of dollars, but the principal is still the same. It's easier and more profitable for the insurance company to deny the claim until forced to do so by legal means.

This has been my experience also.

My son was riding with a friend, they got hit head on in their own lane by a driver under the influence.

He ended up with a shattered arm, 13 screws and a plate. (160k in medical bills)

The insurance company denied any responsibility and denied their driver was at fault. (Even though the guy was arrested at the scene)

I had engaged a local attorney and after a full year we recovered all of our costs and the attorney made a bundle.

Not a fun time.

 

[turboless terry]

What would typically happen is if your friend (who didn't have coverage) had insurance, his insurance would have covered the loss. That insurance provider would have then gone after the insurance provider for the trailer and recovered the loss from that provider because that provider was the insurer of the cause of the loss. However, because your friend didn't have coverage, they denied the claim and he should have engaged legal representation. Once served, the insurance company would likely have covered his loss. This is how today's insurance industry works, they refuse to pay until served legal notice. Even then, they will sometimes (higher dollar cases) take it to court because there is always a chance some extenuating circumstances could be found during the discovery process. Typically this relevant to settlements of tens or hundreds of thousands of dollars or millions of dollars, but the principal is still the same. It's easier and more profitable for the insurance company to deny the claim until forced to do so by legal means.

I get that and assumed that's the way it would shake out if he had insurance. Most people I know don't have cargo insurance. I always insure my sleds because of theft or fire.