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  1. #1

    Default Will Insurance Cover Full Repair Cost of Accident Damage to a Heavily Rusted Frame

    My question involves insurance law for the state of: CT

    I was rear ended by a vehicle at an intersection. She hit the tow hitch on my vehicle which caused the frame to snap in an area that had some rust. She was deemed to be at fault, has auto insurance and I have full coverage.

    My question is, will I be covered to repair the snapped frame? Even though it had rust prior to the accident, it wasn't snapped prior to the accident. As a result of the frame snapping, it also through the alignment of the wheel and bumper off by about a half inch. I towed a boat with it just last week, it was rusted but sound. Thanks!!

  2. #2
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Will Insurance Cover Full Repair Cost of Accident Damage to a Heavily Rusted Fram

    If the frame is rusted so badly it broke, it is more than likely the vehicle is not roadworthy. That would suggest the value is quite low. Due to that the vehicle is likely totaled. The amount you would be due would be the market value of the vehicle immediately prior to the accident (if it in fact is totaled) Given the frame is rotted that would likely be extremely low.

    there is always a slim chance it is repairable and if so, your damages would be determined as the cost of repairs or the market value of the vehicle immediately proper to the accident if the cost of repairs exceeds the value of the vehicle.

  3. #3
    Join Date
    Mar 2013
    Posts
    17,943

    Default Re: Will Insurance Cover Full Repair Cost of Accident Damage to a Heavily Rusted Fram

    Quote Quoting Daydreamz628
    View Post


    My question is, will I be covered to repair the snapped frame?
    You'll just have to wait and see how this plays out with her insurance company.

    Meantime I suggest you get estimates from a couple of local shops so you have something to compare.

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