I just fell down the stairs and had the laptop from my girlfriend in my hand. The laptop has unfortunately broken (screen shows only half) I'm in the liability insurance with my parents. Can the insurance cover the costs?
If the insurance of your parents bought the story from you this could work. Does she still have the purchase receipt / bill issued in her name for presentation to the insurance company? Even a bank statement, with which the date of purchase can be proved, should suffice.
An HP insurance covers damage that you cause yourself, things that do not belong to you. Deshlab includes e.g. Damage to "borrowed" things not to d a man treated as their own things.
So you have to argue why your friend's notebook broke down and you did not treat it like your own property.
Ergo, it's best that you fell on the notebook, not that you had it in your hands…
Yes, everything should be there, thank you
Okey, but it happened to her and I would just have to bring the laptop to her.
Then you fell on her laptop or sat on it.
Ergo, it's best that you fell on the notebook, not that you had it in your hands…
This is insurance fraud.
And an appraiser can certainly determine whether the damage was caused by a fall or if something has fallen on the laptop.
Yes, I also prefer the truth because you can see it too, that he fell down.
With many liability insurance borrowed things are mitinsured. And make false statements (insurance fraud) is the worst solution.
Depends on the insurance contract of your parents. Not all contracts include lent items. It should be included in a good insurance.
If borrowed items are covered by insurance, the insurance usually pays.
I did not borrow it, it happened to her and I had to help the laptop just to help her down.
