Legally Speaking – with Bob Mionske: Is it my garage or my car that’s at fault?
Dear Bob, I am an attorney and have been practicing as an Assistant DA for the past 15 years. A few weeks ago I forgot about "toys on top" and drove into the garage with my beautiful Wilier on top. My home owner's policy covers damage caused by a vehicle. They have denied coverage because they are saying the garage caused the damage. I think it is a strained interpretation of the policy as they would cover the bike if I had backed over it. I looked at an old policy with another company and they had the same language. I know of other cyclists who have been covered. Have you dealt