The automobile is a sum loss. Do they have to give us a loaner car or compensate for a let for us?
Mechanic was pushing husbands automobile got in to a automobile collision with it. Is a automobile physique emporium probable for damages? ?
7 Responses to “Mechanic was pushing husbands automobile got in to a automobile collision with it. Is a automobile physique emporium probable for damages? ?”
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Most shops have a “rider” that says they accept no responsibility for any damage or loss to vehicles in their care.
Nevertheless you should inform your insurance company and let them get the lawyers involved.
Your insurance company will pay off the car and provide a loaner if needed. Then your insurance company should go after the auto body shop to repay them for the loss, since their employee was driving.
Get a lawyer. A licensed body shop has to have “garage liability” insurance to operate in most states. Unless you signed a form saying they were not responsible for damages while your car was in their care…..and thats usually to cover them if a tree fell on it during a storm when it was parked outside. Call your own insurance company first and see if they can negotiate a settlement with the body shop……..if not, then call a lawyer. And, get a police report and see if the mechanic driving the car was at fault in any way. Good Luck!
Most shops have insurance for this type of situation unless they’re a small, ghetto shop. I would still contact your insurance company and get them involved. I would also talk to the shop owner(obviously) and find out what they plan on doing.
Uh oh…. read your policy. Almost all – about 90% of insurance companies have an exclusion stating they will not coverage any physical damages to your vehicle caused by a mechanic test driving the vehicle. You probably have no coverage through your insurance company. The mechanic is liable – unless he was not at fault for the accident. Most shops carry a “non-owners” policy meaning the mechanic is covered on any vehicle he drives but does not own. But this coverage is usually only liability so if he caused damage or injury to another person then he would have coverage. As for your vehicle, you really need to check with your insurance company to see if they will cover your vehicle while it was being driven by a mechanic. If they do not cover it then check with the shop.
Yes they are liable. They are a bailee and bailee always has a higher standard of care than ordinary people because they look after other people’s property. They should have a garage policy which covers customers vehicles. If they do not then be prepared to take them to court as your policy will not respond.
Perhaps. If the mechanic was negligent in the accident. The negligence would have to be proved otherwise your insurance would have to make you whole. They may have insurance that will cover the claim in the form of garage keepers liability coverage which protects them a s a “bailee” but again negligence is the key