Insurance Coverage Q&A: Covered Accident and NY Thruway Expenses

We have a claim on BAP Policy. The loss was a result of an incidental mechanical fire because the insured’s equipment (the brakes) overheated and as a result, caught the trailer and excavator on fire. The insured was up-to-date with maintenance, inspections and registration. The insured advised there were no recent repairs done to the trailer within the past year. Additionally, there were no recent issues with the trailer at all. In effect, the fire was completely incidental and unpreventable.