 Do I need Liability insurance? |
| I live in So california, and just brought lots In Texas,Arkansas and Utah.The lots are vacant land. Im being told that laibility insurance might be wise. is there someone out there who knows for sure.... |
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 I need surgery and have no medical insurance and no one seems to be able to help me. |
| I am a 43yr old waitress for the last 28yrs and have degenerative osteoarthritis and need a knee replacement. I don't have insurance and the state of CA. wont help me. I don't wont to be ... |
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 A hairdressers got bleach on my clothes and now they won't refund me the cost without receipts.? |
I don't have the receipts anymore. What can I do? It's under £50 but it's the principle mainly.
Additional Details
I was only getting a wash and cut. the bleach was on ... |
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 I had to go to the emgerency room on on 2/14/08 bc I didn't have a regular doctor!!!? |
| They are trying to charge me $812 dollars to find out that I had a sore throat...I haven't met my deductible yet this year, so it saying basically my insurance isn't gonna cover nothing. W... |
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| Health insurance? |
| I am about to turn 18. I have blue cross blue shield though my parents. Someone told me I had to register in school to keep my insurance. But someone else told me I am covered until I am 21 as long ... |
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 Paying for abortions with health insurance? |
| does anyone know if a girl decided to get an abortion could she pay for it with her insurance or does she have to pay cash?... |
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 With insurance why do you have to pay a deducible? |
| I really don't understand it. You drive your car and pay insurance on it for years and years you get in a accident and you have to pay a deducible. Why do you have to pay them money after ... |
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 An Accident at Work? |
| My husband had a serious accident on company time, representing the company he worked for. He was following instructions given, fell and severly dislocated his shoulder, severed the nerves that feed ... |
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 What colors should legal documents be signed in? |
| WHAT COLORED INK SHOULD LEGAL DOCUMENTS BE SIGNED IN?... |
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 Why are my insurance company only offering £200 for a TV that was £1000 four years ago? |
I have old for new policy, you cant buy a tv for £200 anymore are they in their rights to do this?
Additional Details
Times have changed thats why they sould be replacing my tv with ... |
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 I can't afford to pay an insurance company for damages. What can they do?? |
| I had a dune buggy fall off a trailor I was towing and a lady ran into it. It caused quite a bit of damage to her car. My insurance company denied the claim so it wasnt covered. Now her insurance ... |
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 Were do we get help after flooding? |
| there is a lot of people around suffering from the floods in Hull, many are getting on a bit with no insurance can anyone tell me were these people can get help they have lost ... |
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 Cancelling car insurance. will I be penalised? |
| I pay my car insurance by monthly direct debit and have now sold the car (halfway through the year). As I am not looking to buy another car for a while, can I stop my premiums to the insurance ... |
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 Suspended from work on full pay? |
| I have been suspended from work, i work in a insurance company on the phones, i have been very depressed i the past and i have spoken to a line manager who has been very helpful, but the reason for ... |
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 Good Life Insurance Plan with guaranteed return and maximum life coverage.? |
| Which Life Insurance plan (from Govt. or Private company) will give me the highest return If I invest Rs. 50,000/- yearly for 20 years including the life coverage. Please name the plan with name of ... |
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 T.v. screen destroyed by visiting youngster? |
| my friend was visiting with her 6 yr. old son. he got very angry when we changed the channel on the t.v. and threw the remote into the t.v. screen destroying it. will my homeowners pay for it?... |
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John H | A tree fall an my vehicel during a storm who pays auto or homeowner insurance? |
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Faye H
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Auto.
If you didn't own the tree, your auto insurance will try to collect back from the tree owner. |
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mbrcatz
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Homeowners policies NEVER EVER EVER pay for damage to cars.
You'll have to file a claim under the comprehensive section of the auto policy - that's what covers "falling objects". |
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sepacm
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If you have comprehensive coverage on your auto policy, it would pay for the damages less your deductible. |
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Queen B
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AUTO!!! autos are excluded from ho policies |
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blb
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Comprehensive coverage under the auto policy will pay for the damages. Vehicles are never covered under your own homeowners policy. |
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Jeremy S
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Auto Auto Auto!!!
If it was your tree and it fell on your car, it would totally be your automobile policy. Your comprehensive coverage would pick this up, provided that you have this coverage.
If your neighbor's tree fell on your car, your auto policy would still be the one to pay. They call this scenario an "Act of God." A homeowners insurance policy would not cover such a claim, as you are not liable for your trees. However, prior to the tree falling, if you notified your neighbor numerous times and provided a Certified Letter warning of potential danger from their tree that needed to be trimmed or removed, then their homeowners insurance policy could be held responsible. |
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mamatohaley+1
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The auto is primary. The only way HO would pay is if it was not your tree (making you a third party claimant) and the tree was not healthy.
Your HO will never pay for damage to your auto. The other persons HO would only pay if it was determined the tree was not healthy and the homeowner neglected to care for it. |
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ramon1972pr
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Homeowners never pays damage to you auto. You can claim this damage under your auto policy. |
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Gambit
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The question that needs to be answered, and should have been asked by those who are supposed to be in the know, is who owns the tree. If the tree belongs to you, your Homeonwer's policy will not cover the damage. Your auto will pay if you have Comprehensive coverage. If you don't, then you are out of luck. If the tree does not belong to you, you can sue the property owner, and their Homeowner's policy will respond under the Liability portion. Liability under a Homeowner's policy covers Personal and Premises liability, and this portion does NOT exclude damage to automobiles. |
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bundysmom
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Assuming you have comprehensive coverage on your car, it will pay for the damage caused by the tree. If the tree is not your tree but your neighbors and you can prove they were negligent in the upkeep/maintenance of the tree, their HO policy will reimburse your auto insurance for the damages. If it's your tree, too bad--you can not recover from yourself in a situation like this. |
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stewiegriffin4president
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Who owns the tree? If it's in your yard, your auto policy covers it under comprehensive, which covers acts of nature (like storms). If it's not your tree, like say, it's on your neighbor's lot and fell across onto your car which was parked on your lots, then THEIR homeowner's pays it. |
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dave j
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The homeowners insurance first, then the auto insurance if it is not covered (minus the deductible of course). |
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