Collision of Fine Arts

May 3, 2012

The insured has wine goblets and wine glasses scheduled under the HO 04 61 04 91, Scheduled Personal Property Endorsement. During a dinner party, one of the glasses being used was chipped when a toast was made and the glasses were struck together. The insured is alleging that there is coverage for the damage under collision for fine arts; however, we disagree. Would you please provide your thoughts?

New York Subscriber

Collision is often considered to be an impact with an object; Merriam Webster Online defines it as an act or instance of colliding : clash. “Colliding” is defined as to come together with solid or direct impact. That's exactly what happened with the wine glasses; they came together with direct impact. The loss is covered.