Legal Question in Insurance Law in California

Auto fire liability

While parked in a company parking lot, the vehicle next to

me caught fire and totalled my car. I called his insurance company two weeks later to see what is happening with the claim and what I was supposed to do.

I know a fire inspector and an adjuster have both been to the scene. I did have to get a rental car, as this was my only means of transportation. The next time I called the insurance company to see if anything was decided, I was given the name of another person, that told me that they were not liable because there was a manufacturer recall.

I have checked the VIN number and there is no recall.

I have towed my car home and kept all my receipts.

How long does the insurance company have to deny my claim?

Should it be in writing?

I have called the Insurance Commission twice and received

two different answers.


Asked on 10/14/05, 10:39 am

2 Answers from Attorneys
Edward Hoffman Law Offices of Edward A. Hoffman

Re: Auto fire liability

You should present this to your own insurance company and let it deal with the other guy's insurer. In the meantime it may give you some money for a rental and should pay for the loss of the car.

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Answered on 10/19/05, 5:21 pm
Edward Hoffman Law Offices of Edward A. Hoffman

Re: Auto fire liability

I should add that my prior response assumes you have comprehensive coverage and not just liability coverage. Even if you didn't insure your car, though, you may be entitled to some benefits and your insurer may intervene on your behalf.

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Answered on 10/19/05, 5:24 pm


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