Mailbox Damage Insurance Claim

Summary

If your insurance covers the mailbox damage and is in contact with the property owner, youve likely fulfilled your obligations. Keep all documentation for reference. If the police report has errors, ensure your adjuster has the correct information. For home incarceration, if your boyfriend is on the lease and theres no clause against it, his stay should be fine. HIP restrictions typically apply to the individual, not others in the household. Consult a local attorney for specific legal advice.

Full Conversation

My boyfriend accidentally hit a mailbox driving my car. I have USAA as my insurance provider. I made the claim and my adjuster said their property damaged is completely covered under my policy. They said they would contact the owners of the mailbox. Do I need to do anything else?
Hello Lauren, from a legal standpoint, if your insurance covers the damages and they're in contact with the property owner, you've likely fulfilled your obligations. However, it's wise to follow up with your insurance adjuster and maintain any documentation for reference. Remember, this advice is general in nature, and specific laws can vary by state and situation.
I am in Kentucky. I was worried because in the police report the police listed the police department's address where the property was damaged. Not the home owners address. I have called my adjuster twice about this and he said he would double check to make sure they have the correct address.
It's good that you're being vigilant, Lauren. As long as your insurance adjuster is aware, you've done your part. Ensure to keep a record of all conversations and documents. If the issue persists, you may consider contacting a local attorney for legal advice.
Ok I just don't want to get a letter from the home owner's that nobody contacted them when in fact I wanted to make absolutley sure we were concerned and wanted to absolutely cover their damaged mailbox
It sounds like you're doing everything correctly, Lauren. Keep all the documentation and proof of your attempts to resolve the issue. If you receive any communication from the homeowner, direct them to your insurance company.
Ok thank you so much
You're welcome, Lauren! If you have any more questions or need further assistance, feel free to ask. Remember, keeping a record of all interactions and documentation is key. Stay safe!
I also had a few questions about the home incarceration program in louisville, kentucky
Sure, I'd be happy to provide some general information about the Home Incarceration Program (HIP) in Louisville, Kentucky. Could you please specify what questions you have?
My boyfriend has been placed in HIP. The hip officer called me and had a series of questions for me and I had to notarize a document that I am allowing him to live here in my apartment, even though we are both listed on the lease. They didn't ask for my landlord's permission. I just wanted to make sure it was ok
In Kentucky, individuals under Home Incarceration Program (HIP) can reside at a location approved by the court. The court typically needs to ensure a stable and safe environment. As you're an adult and co-lessee, your consent might suffice. However:
- Check your lease agreement for clauses about guests.
- If unsure, consult with a local attorney or your landlord.
- Maintain a copy of the notarized document.
It's definitely a safe and stable environment and yes I checked the lease and there was no clause about this. My boyfriend is not considered a guest since he is on the lease.
It sounds like you've done due diligence, Lauren. If your boyfriend is on the lease, and there's no clause against it, his stay under HIP in your apartment should be fine. Continue to comply with the HIP conditions and maintain all documentation.
I feel like the officer would have called our landlord and not me for consent if that was in fact a law.
It seems you're doing everything correctly, Lauren. The law might not require the officer to contact the landlord since both you and your boyfriend are on the lease. However, if you're still concerned, you may want to consult with a legal professional for peace of mind.
Do you know the specfic law for this in kentucky?
In Kentucky, the specifics of home incarceration programs are often outlined in local ordinances or jail policies, rather than state law. Louisville Metro Corrections' Home Incarceration Program (HIP) is one such program. The consent of other adults in the home is typically required, but landlord consent may not be. However, each case can vary. You may want to consult a local attorney for precise information.
Ok it didn't say anything about landlord consent in the paperwork at all.
It seems you've done your due diligence, Lauren. Since the paperwork didn't mention landlord consent and your boyfriend is also a lessee, it's likely no issue. However, for absolute certainty, consider consulting a local attorney.
One last question, It was stated that he was not allowed to drink any alcohol while in the HIP program. Does this mean I cannot have my Friday night wine either? :)
The restrictions of the Home Incarceration Program (HIP) typically apply to the person under the program, not others in the household. Therefore, you should be able to enjoy your Friday night wine. However, it's always wise to double-check with the HIP officer for clarity.
Ok thank you so much
You're welcome, Lauren! If you have any more questions or need further assistance, feel free to ask. Enjoy your Friday night wine and stay safe!
Hee hee thanks so much
You're very welcome, Lauren! I'm glad I could assist you. Feel free to come back if you have any more legal questions in the future. Stay safe and enjoy your wine!
;)
You're very welcome, Lauren! Feel free to reach out anytime if you have more questions. Enjoy your evening and stay safe! ;)