This commercial auto loss was reported by the claimant who claimed that a truck trailer’s door blew open, causing damage to a parked and unoccupied vehicle owned by the claimant. The claimant provided a photograph of an insurance identification card referencing the insured and a vehicle that is listed in the schedule of covered autos owned by the insured. However, the insured denied employing the alleged driver; they said the truck in a photograph provided by the claimant is not theirs.
We were asked to investigate the loss and determine whether the alleged accident was a covered loss.
We interviewed the claimant and the alleged driver of the truck at the time of the loss. We also contacted and located the owner of the truck involved.
The claimant provided a damage estimate totaling $4,603.18 for repairs to his 2023 Ford Transit Van that he claims was damaged by a truck trailer door belonging to the insured.
However, in his statement, the driver of the truck involved confirmed that he was driving for another company at the time of the loss. He did not know how the insured’s insurance card was in that truck. He never heard of the insured and never did any driving for them.
The owner of the company that the driver was driving for confirmed that the truck involved in the accident is theirs. The owner provided a copy of the insurance ID card for the truck involved.
A claim denial was issued to the claimant following the investigation, and the claim closed without payment. Estimated savings: $4,603.18 – the damage estimate for the claimant vehicle.