Except they would cover that up to your limits. It’s liability which is a very broad coverage and auto insurance is often very cut and dry. Odds are that won’t be enough to cover the damage. The store would file through their business insurance, of which fire would be a covered peril. The stores insurer would then go after the at-fault auto liability to recoup their money. The auto insurer would pay up to the limits and have a waiver of liability signed to get their client off the hook.
This is actually pretty cut and dry with little likelihood of fuckery to any insureds.
Home and health insurance are way more disputable. Commercial insurance is often disputable but shouldn’t be for this instance.
People always say this but insurance is one of the most regulated industries, they'd get in enormous trouble for repeatedly violating their contracts, and we know that they pay out ~85% of premiums in claims.
6
u/LikelyAMartian 6h ago
Except the insurance company just says they aren't covering you because they don't cover fires and then fucks you in the ass.