Auto Insurance Claims: 2 claims vs 1, vandalism, deductibles
QuestionMy suv was broken into and was hit all in while we were eating dinner at a restaurant. I filed out a police report. When my vehicle was taken to my insurance's adjuster, I was told there would need to be 2 separate claims instead of one. This would also entail 2 different deductibles, one for vandalism( breaking my window) and a separate one for hit and run. Is this right? It happened all at once and 2 separate deductibles just doesn't make sense.
AnswerI understand your frustration. Unfortunately, you described two different incidents, and each is covered under a different coverage - comprehensive for the vandalism and then collision for the hit and run. So it appears they handled this correctly. Unless the hit and run was caused in a malicious/intentonal manner, in which you might have it also classified as vandalism.