homeowners or automotive insurance? Saw the movie 'Transformers' and this is what occurred to me during a particular scene, thought it might be fun for the insurance folks to debate (apologies if you find it too spammy). Maybe the answer is to try and sue the car's leader, Optimus Prime, but I don't know what insurance court can hold accountable a sentient robot from outer space.

Aren't you glad you're not my agent? . . . lol.
Here's the response scorecard so far:

Home Auto Neither
Why!? x
Buddy x
ivory 2004 x x
StephenWeinsteinx x
mbrcatz17 x x

Very interesting indeed! But wouldn't my car becoming sentient be equivalent to someone borrowing or stealing my car, so possibly their policys should be charged?
Dang! The formatting of the table above didn't carry over! Here it is again, with H=Homeowners, A= Automotive, N=Neither:

Why!?: A
Buddy: N
ivory 2004: H A
StephenWeinstein: H A
mbrcatz17: H or N