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Insurance? Yes. Owns the damaged vehicle or property? No...

Accidents happen. Here's help determining how coverage might apply when the subsequent damage impacted someone else's property.

By FC&S Editors | Updated on August 16, 2017
Will a mother's misbehaving teenager be covered for rental car damage? (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: Our insured was driving a non-owned auto. While driving the non-owned auto our insured struck the non-owned auto owner’s building. Is there coverage under our liability coverage? We were thinking that perhaps liability exclusion 2 may be applied, since the owner of the car and the owner of the building are the same. A side note, brake failure on the non-owned auto is what caused the damage.

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