Have you ever thought that your car can be totally washed in a car wash? How about never seeing it again after dropping to your local cash washers? This is exactly what happened to one driver. He left his automobile to a local wash station and went to run errands in town. When he came back it was not there and the workers had no idea where it was. They thought that the owner has taken it.
The vehicle has turned up several days later with some damages. The owner in this particular case had liability only auto insurance coverage which would not cover the damages to his own auto. Therefore he had to pay for the damages out of pocket. It is a shame to suffer an insurable loss and have no coverage for it. Comprehensive coverage is the part that pays for auto theft and it is usually included as part of full coverage packages sold widely in the market. But you don’t get this coverage when you buy only mandatory car insurance.
This incident raises a very important question. Would he be paid should he have a Comprehensive coverage for theft? Why would even this question be raised? The reason for that is that he has handed over his keys willingly to the car wash workers. Normally, companies can refuse to pay for theft if the owner handed over the keys with willingness. If you leave the keys on the car you may have problems with some companies. They may refuse the theft on the grounds that not only you did not take due precautions but also encouraged thieves to steal your automobile.
So would handing over your keys matter in this case. Our research reveals that under normal circumstances it is irrelevant that you handed over the key to your vehicle to a car wash or valet parking attendant. This is something people do every day and they do not expect their cars stolen when they do. Comprehensive Coverage in place should pay for a stolen car. If the vehicle is found with damages it should pay for repairs as the damages done during theft.
It is important to note that this doesn’t necessarily apply to every circumstance or policy. This is a general opinion and people should check with their insurers for more accurate information. Also, a deductible would be charged before the insurer pays for the damages.
Another option for recovery in this case is to sue the garage, valet or car wash services. If you win the case against them and they have business liability insurance you should be able to recover your damages. When the company is small and haven’t got much assets it may be best to ask if they have business coverage. The court proceedings can be costly and you may not be able to collect payment should they be a small labor based company.
These small companies put up signs of disclaimers or print them at the back of their receipt that they do not accept any liability in regards to your car. In other words, you assume all the liability when you give the keys to them. This is a way of eluding to buy business insurance. If they are negligent in the handling of your automobile or cause an avoidable damage they may be found liable by a judge.
Owners are well advised to keep comprehensive coverage to get compensated in these situations of theft and damages. This would be the least pain free solution.