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Bad end to the day.


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19 replies to this topic

#1 IHCubGuy OFFLINE  

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Posted May 26, 2011 - 09:06 PM

Looks like the chances of getting the 2 Masseys might have just went out the window(in quite a literal way). I was putting the air conditioners in my mother-in-laws house for her tonite. The downstairs one went fine but the upstairs one decided it didnt want to be in the window and went right on out and landed smack on the roof of her car. Gotta see if her insurance will cover it or not. I am highly doubting that it will. Don't even know for sure what that would fall under if it was covered. Car insurance or homeowners? I just know it gonna cost me some money one way or the other. Not to mention the air conditioner is toast, luckily we had a spare at our house that I put in for her instead. I guess it could have been worse though as it slid down the back window onto the trunklid and never scratched or chipped the window. Probably would have been cheaper though if it went through the window and landed in the back seat. LOL!!!!

#2 olcowhand OFFLINE  

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Posted May 26, 2011 - 09:14 PM

I would think Homeowners should be primary in such a case, but if full coverage is on the car, it will kick in if homeowner's won't cover. Sure sucks when it costs you money when you're just trying to do a good deed. Hopefully you won't lose a dime. But next time...move any vehicles! And God forbid anyone is standing below!

#3 MH81 OFFLINE  

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Posted May 26, 2011 - 09:15 PM

The only thing I have to say is:
Wow, that sucks!

It should be covered by homeowners. No one was in the car at the time. If a tree fell on it, it's your homeowners (or that's what my insurance agent told me). Hopefully it's the same company for both, that will simplify things.

Good luck!

#4 IHCubGuy OFFLINE  

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Posted May 26, 2011 - 09:17 PM

You know it's one of those things I've done for a long time. Bet I've taken that AC in and out of that window for 15 years now. Just finally bit me this time. Luckily everyone was in the house at the time as it was itching to rain.

#5 IHCubGuy OFFLINE  

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Posted May 26, 2011 - 09:20 PM

The only thing I have to say is:
Wow, that sucks!

It should be covered by homeowners. No one was in the car at the time. If a tree fell on it, it's your homeowners (or that's what my insurance agent told me). Hopefully it's the same company for both, that will simplify things.

Good luck!



Yes her insurance carrier is the same for both. She's gonna call them tomorrow and see. It's good having a calm mom-in-law too. I was way more upset about it than she was. My wife kept telling her "don't worry mom we'll take care of it". My mother in law finally told her "to be quiet and quit worrying about it".

#6 IamSherwood OFFLINE  

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Posted May 26, 2011 - 09:25 PM

That's not a nice way to end the day.
Hope the deductible isn't too high.

#7 MH81 OFFLINE  

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Posted May 26, 2011 - 09:25 PM

Don't forget to add the replacement cost of the AC unit into the total. Even if she keeps yours, that should be covered as part of the accident. It's that much less of your deductible you will be responsible for.

#8 KIRO-1 OFFLINE  

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Posted May 26, 2011 - 09:27 PM

Unfotunately, no good deed goes un-punished! LOL.

#9 Gtractor OFFLINE  

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Posted May 26, 2011 - 09:37 PM

Sometimes I'd like to throw my mother-n-law out the window too. I'd say you did good in substituting the AC unit!

:bash: :bigrofl:

Gald no one was hurt.

#10 dstaggs OFFLINE  

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Posted May 26, 2011 - 09:52 PM

Just put one in here the other day, That though entered my mine as it went in the window and i was lucky.

#11 caseguy OFFLINE  

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Posted May 26, 2011 - 10:41 PM

Well the bright side, if there is one, is that your day didn't START that way.... Hope that it all works out for you!

#12 mjodrey OFFLINE  

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Posted May 27, 2011 - 04:25 AM

Too bad something like that had to happen.

#13 KennyP OFFLINE  

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Posted May 27, 2011 - 04:40 AM

Ouch. That was a good choice to use the AC instead of the MIL, though. Hope you get it all worked out.

#14 coldone OFFLINE  

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Posted May 27, 2011 - 05:54 AM

Hey Cold Ones Wifey here. We were just reading your post. You got two ways to look at this from an insurance view, one if she has comprehensive on her car that should cover her for 'falling objects'. Or two there is a high possibility you could get YOUR homeowners to pay for it. Here in NC I had an instance where a lady was at here moms house her son was running around the house triped and fell. At the time he had the tv remote in his hand and it went flying out of his hand and went crashing thru there new flat screen tv. The girls homeowners paid for that. I dont know what the rules are in your state but its worth a try. Good Luck. Hopefully you will still be able to get your tractors.
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#15 caseguy OFFLINE  

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Posted May 27, 2011 - 07:21 AM

Hey Cold Ones Wifey here...


Thanks for the valuable insight! It's nice to hear from Mrs. Coldone too!




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