Auto Insurance Claims: claim in fl., intentional damage


Question
if an insured causes damaged to another auto and you think that it was intentional what would be a reason for the insureds ins. not to pay for the damages they did.

Answer
If it could be proven that the damages were done intentionally, then that is the reason.  Most insurance policies specifically exclude payment for damages that are caused intentionally.  The denial would simply state, intentional.

If the party that caused the damages freely admits causing the damage intentionally, then there is likely no hope of insurance paying for the damages.  The option would be to pursue the individual via restitution on a criminal charge.  It seems like if intentional, then it could be considered vandalism or "willfull destruction of property".  If there is already a police report reflecting criminal activity, then you might as well file the claim, wait on the denial and get with the prosecutor to prove up your damages to be included in any final restitution order resulting from the criminal charge and conviction.

I hope this helps!