Q: What insurance if any covers an acciddently oil spill in my driveway that went into the city drainage down the street ?
We were changing oil on my sons truck in the driveway. placed the oil in a container you buy at autozone or oreily auto. We left it under the truck and had a heavy downpour of rain the next couple of days. Not knowing that the rain either knocked the container over or filled up the container and flowed out it went down the driveway and into the city drainage. The city called out hazmat cleanup becasuse of the threat of rain the next day. They are billing us the cleanup cost of $17000. QBE home owners insurance say they have an exclusion stating if the damage was caused but automotive work being done they did not cover. They want me to call my auto insurance. Is that correct?
I do not practice in Texas, but your question remains open for four weeks. Homeowner policies can have exclusions for environmental claims, and auto policies could limit their coverage to matters related to the use and operation of a motor vehicle. You could show your policies to a Texas attorney and ask their opinion as to the limitations of coverage.
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