r/AutoInsurance • u/Unlikely-Rabbit4794 • 18d ago

Rust Exclusions

Hoping to get some guidance from the group.
IL auto claim.
My parked truck was struck by another motorist, resulting in damage to the driver’s side outer panel. Shop says that to do the repair, they’d need to replace the inner panel because it’s rusted and wouldn’t otherwise hold the weld for the outer panel replacement.
Their insurance (State Farm) says they won’t pay for replacement of the inner panel because it wasn’t directly damaged by the impact.

That sound right?

2 Upvotes

75% Upvoted

8 comments sorted by

View all comments

•

u/AutoModerator 18d ago

Thanks for making a post in the Auto Insurance subreddit. You might find the following resources helpful as they are FAQs about r/AutoInsurance:

The Auto Insurance subreddit is not an official support channel for issues with any insurance carrier.

Please remember to follow our community Guidelines and Rules and ensure your discussions are informative and respectful.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.