Hail Damage, Ins. Co, and Carmack,

Stan,
I've never had a hail damage claim but on the back of our inspections it states that loss, damage or injury caused by an act of God, the public enemy, the fault or negligence of the Shipper, public authority or the inherent vice or nature of the shipment.
Those things and many others are not liable by the carrier. Exhaust systems breaking causing damage fluids etc from vehicles. Things like that.
Hope maybe this helps you out a little bit.

 

Check with your insurance provider before you have a claim. If your policy doesn't cover what you think it should, find out if they offer a policy that does, at a reasonable price. The cheapest policy you can find isn't worth the money if it doesn't cover what you need covered.
If you only get enough insurance to cover your legal obligations, you may need to pay for some items out of pocket. Those million dollar accounts come to mind.

 

Well, there you go. May have to pay out-of-pocket to protect accounts that are worth it.

 

But then you have to charge for that within the rates. Which is fine until the customer goes shopping & does not care or realize the value of
someone willing to cover acts of God.

 

If your standard rates on that account won't allow you to cover the occasional act of God, the account must not be worth it. If the account's paying over a million a year, shelling out a couple grand a decade doesn't seem all that unreasonable to keep a good customer happy. Your business, you decide what's reasonable.

 

Seems like the damage would have happened on your trailer or not. Hail would have hit it sitting on the dealers lot. On his lot his insurance would have picked up. I am looking at it as the dealer should claim on his policy ?