When a crash damages the things inside your car
A property claims specialist's perspective
Document every item
If it’s safe, take a photo of the item where it sits in the car. Note its model, rough age, condition before the crash and the damage it has now. Keep receipts, serial numbers, repair quotes or account records that prove you own it and show its value. Do not throw out a damaged item until the insurer involved says it no longer needs to inspect it. [2, 3]
Find out which policy may pay
Your own auto policy mostly covers the car. Homeowners or renters insurance may protect some personal property. That depends on the cause of the loss, the deductible and the limits. Another route may be a claim against the responsible driver’s property damage liability coverage. [1, 2, 3]
Installed accessories, business equipment and a passenger’s belongings each raise their own questions. Before you file claims that overlap, ask each insurer what it will consider. [1, 2, 3]
Go through the offer one item at a time
Ask your claim handler
- Does this claim cover loose belongings?
- Is there a separate deductible or limit?
- What proof of value do you need from me?
List your belongings early
Write up a list of your items before the car is moved or released. [2]
Sources and further reading
- 1National Association of Insurance Commissioners, auto coverage
- 2National Association of Insurance Commissioners, homeowner personal property
- 3Washington insurance commissioner, renter personal property coverage
This article is for general education from a property claims point of view. Coverage for loose items, installed gear, business property and other people’s belongings depends on the policy and the facts.
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