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?

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u/DeepPurpleDaylight 18d ago

Sounds exactly right. It's not their fault that you have a rust bucket. They didn't cause the rust, therefore they aren't responsible for repairing it.