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I recently submitted a comprehensive coverage claim because there was damage to my car's glass, paint and chrome. It appears that the car had accidentally been exposed to some form of chemical.
At my car insurance company's request, I took my car to three automotive experts — a glass shop, detailing shop and my car dealership. All three gave me written statements that it was their opinion that my car had been exposed to acid rain. I submitted copies of these statements to my insurance company.
After much procrastination, the claims adjuster wrote: "We must respectfully deny your claim which has been confirmed to be a result of acid rain based on that fact that we cover losses that are direct and accidental. Acid rain damage is not covered under the personal auto policy."
I disagree! Is there anything I can do to reverse the decision?
The denial you describe does not stand up to scrutiny. For example, insurance companies routinely pay for damage caused by tree sap (if you have comprehensive coverage). If damage by tree sap is "direct and accidental," then how can it be argued that acid rain is any less so?
Unless it can be proved that you deliberately sought out exposure to acid rain, which is highly unlikely, the loss is unquestionably "accidental." Also, there is no question that your loss is "direct" when referring to place (i.e. the exterior of your car). Further, assuming that each drop of acid rain causes its share of damage, each occurrence is also "direct" as to time. Simply, a lot of little losses occur before they become measurable. If your insurer continues to deny your claim, contact your state insurance department to find out how to file a complaint.
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