There's Something Fishy About This Loss

​Sure, Farmers Insurance says they've seen a thing or two​, but have they seen this item​ from the Insurance Information Institute's The Triple I Blog? I don't think so.

Sometimes the blog posts just write themselves.

 

ABC News in North Carolina reports that a driver in the state looked up and saw a bird carrying a huge fish.

 

“It was one of those slow-motion moments in life. I saw the fish and I saw him drop it,” said Rhesa Walston of Beaufort, North Carolina.

 

The catfish smashed straight into her windshield.

 

It happened so quickly she didn’t have time to react.

 

“There was glass all over my front seat…glass on my lap,” Walston told ABC News.

 

After making sure her daughter in the back seat was safe, Walston contacted her family and her insurance company. Family members tracked down the fish (apparently, catfish dropped from high altitudes bounce) and took pictures to corroborate her catch.

 

 

Walston told ABC News she will have to pay the $250 deductible on her comprehensive auto policy — not a huge price for a story the family will be telling for years to come.  Animal damage is covered if you have optional comprehensive coverage. If you only have collision coverage, then you’re not covered.

 

The eagle could not be reached for comment.​

 

Never EVER let someone tell you insurance is boring.

Comments

[Bill Wilson]

This is wrong:

"Animal damage is covered if you have optional comprehensive coverage. If you only have collision coverage, then you’re not covered."

I've seen 1-2 personal auto policies that do restrict coverage for an animal collision to comprehensive coverage. However, the ISO PAP and every other personal auto policy I've seen has no such limitation.

A collision is a collision. IF you have comprehensive coverage, though, it's covered there. The advantage is that the comp deductible is often less than the collision deductible and there likely is no rating penalty as their quite likely would be with a collision claim.

However, in the unlikely event that your personal auto policy covers collision and not comprehensive, if the language is like that in the ISO PAP, it's certainly covered as a collision.

ISO's business auto policy is worded in an even clearer way. Check out this article:

https://insurancecommentary.com/myth-only-comprehensive-coverage-covers-hitting-a-deer/