QUESTION
Can I sue my insurance company to make them pay a claim?
Asked on Dec 19th, 2012 on Personal Injury - Michigan
More details to this question:
I have renters insurance and recently had some items stolen out of my car. I DJ on weekends and had records, turntables, PA all stolen. I called to make a claim on my insurance and was told they wouldn't cover it because I was being payed to DJ. I filed a police report but I doubt my things will ever be recovered. I'm out several thousand dollars. Can I sue the insurance company to get the claim approved?
5 ANSWERS
Ronald A. Steinberg
Read the insurance policy carefully. Your renters insurance is a personal policy, not a business policy. If your DJ business is basically a hobby, the insurance company will have to pay, but if you are making "serious" money, then they may be able to duck. Talk to a lawyer.
Answered on Dec 26th, 2012 at 5:23 AM
Steven D. Dunnings
Maybe you should be contacting your auto insurance.
Answered on Dec 21st, 2012 at 12:38 AM
Personal Injury — Plaintiff Attorney serving Taylor, MI
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Downriver Injury & Auto Law
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Most policies have a business exclusion provision that excludes business property from protection without a separate rider. You could still sue however.
Answered on Dec 21st, 2012 at 12:31 AM
Appellate Attorney serving Grosse Pointe Farms, MI
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Musilli Brennan Associates, PLLC
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I would have to read your policy, but generally without a rider and additional premium, business property is not covered.
Answered on Dec 21st, 2012 at 12:19 AM
Small Businesses Attorney serving Livonia, MI
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Klisz Law Office, PLLC
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You would have to read your policy. I assume they are talking about a business exception. If not, you might have a good case.
Answered on Dec 21st, 2012 at 12:12 AM