Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*
This week’s movie claim Monday is on Despicable Me 2**. Again, I have a 2 year old, the only movies I watch anymore are cartoons. So here we go! This one isn’t exactly on claims, rather than just the coverages needed. The scene I’m going to be going into is when Gru and Lucy break into Salsa & Salsa restaurant to see if the bad guy they are looking for is El Macho (spoiler alert: it is!).
- El Macho better have some small business insurance. There is property damage to most of his tables and chairs and a hole gets put in his ceiling. He would want property coverage as well as loss of use, since he may have to close down while repairs are made.
- Also, his business coverage would be useful for the safe that is broken into, but the coverage may not apply, as not valuable was taken and the only valuable in there was a jar of salsa.
- The mall would also want good property insurance, as the minions break quite a bit of glass driving a car through the side wall. Lots of damage and lots of clean up.
- Finally, how would Lucy’s car be covered? I mean, it obviously needs auto insurance, but it is also a submarine and an aircraft. Three insurance policies seems a bit excessive, so maybe she can find a non-standard carrier that can create a custom policy for her specific vehicle. You never know.
*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.
**All characters described and mentioned are copyrighted by Universal Pictures