GLENDALE, Ariz. (Arizona’s Family/Gray News) – An Arizona man has been dealing with a damaged car for several months after a collision where he wasn’t even driving, and an insurance company won’t cover the damage.
Arizona’s Family reports that McClain Schilling found his 2005 Land Rover parked outside his home demolished by a rented U-Haul pickup truck on New Years Day.
“When someone says there’s a U-Haul on top of your car, how do you deal with that?” asked Family Arizona reporter Gary Harper. “Well, I just came out to see it for myself,” Schilling replied.
Schilling said before the accident that his vehicle was fun to drive.
“It was a super smooth and quiet ride,” he said. But not anymore, with photos showing his Land Rover being wrecked by a rental U-Haul.
The U-Haul driver reportedly fled the scene, and since Schilling said he only had liability insurance, he filed a claim with U-Haul, thinking the company would cover his SUV total . After all, he wasn’t driving.
U-Haul insurance company investigators eventually inspected Schilling’s damaged vehicle and said they would contact him again. But that was three months ago, and he said his claim continued to be held up by adjusters.
“A month later, I get an email that says, ‘Hey, do you have a copy of the police report?’ And we’re like, we already gave it to you with all the other information,” Schilling said.
Frustrated, Schilling reached out to the Arizona family for help this week.
” We are lost. We don’t know what to do. My wife’s grandparents said to call from day one,” Schilling said.
U-Haul responded to Arizona Family’s inquiry about the delay in settlement. The company responded that Schilling’s damaged Land Rover would not be covered by its liability protection plan, as the protection does not apply to intentional tort or criminal acts.
A U-Haul spokesperson wrote in an email that the rental equipment was being used to commit a crime. Homes were broken into in the neighborhood, stolen property was found inside the truck, and the tenant was identified leaving the premises.
Joshua Stine, 38, was later identified as the man driving the U-Haul, and police records go back 20 years with him involved in other incidents.
Schilling said he would try to buy a new vehicle and is currently borrowing a car to get around.
“We just rely on friends to commute and get groceries and stuff,” he said.
There is a risk when car owners only have liability insurance instead of full coverage, according to insurance representatives. Insurance premiums are normally slightly lower, but there are risks in situations like this.
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