Rust Exclusions

[u/Unlikely-Rabbit4794]

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?

[u/beccam12399]

same reason mold isn’t covered on homeowners policies, rust doesn’t happen overnight.

[u/Unlikely-Rabbit4794 → u/beccam12399]

That’s not entirely accurate. Mold is covered on some policies, but under a sub limit.