If someone running from the cops smashes into your parked car while you’re not even in it, that’s certainly not your fault, so insurance should cover it, right? Not necessarily, as Katherine Scaglione learned the hard way. WGRZ tells the unfortunate story of how her totaled Chevy Impala has fallen through the cracks, and nobody will cover the damage.
Two Buffalo, New York, police officers stopped for a break at the 7-Eleven on Prospect Avenue, and just happened to walk into an armed robbery in progress, according to another WGRZ report. The suspect, who police identified as Dejuan Williams, fled the scene as officers pursued on foot, carjacked a passing vehicle, and sped off, only to crash into three unoccupied parked cars some distance down the road. Scaglione’s Impala took the brunt of it.
Unfortunately, Scaglione only had liability insurance. She’d bought her Impala from a family member and didn’t finance it, so full coverage was not required, and she couldn’t afford it anyway. That means her insurance only covers damage she causes to another vehicle. Since this incident was not her fault, liability insurance doesn’t apply, and she’s left with no coverage.
Who should pay?
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