 Advise on home and auto insurance? |
I am changing my existing insurance company and I have 3 to choose from. I would like to have advise which of these 3 is the best.
Met Life, Traverlers, and Liberty mutual.... |
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 I'm planning on getting Life Insurance through State Farm. I'm 18. Is this plan good? |
| Me being 18, they told me its the best time to get it because it's the cheapest I'll be able to. They quoted a 25,000 dollar plan at $22 a month, which will NEVER go up, even if I'm 84.... |
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 If I were to die, who gets access to my life insurance benefits, if the beneficiary is a minor? |
| I want to make my son the primary benificiary to my life insurance policy, but what if I died when he was only 4 years old? If my sons father (my ex husband) got custody of my son and my son was the ... |
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 How the heck can a homeowners insurance company force you to pay for over twice the value? |
| I am just venting but I called other companies and they all say the same thing. In 2005 my policy was for $60,000.00 dwelling and today I recieved the policy and it called for over $109,000.00 ... |
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 Will Homeowners Insurance cover outside stairs? |
| The stairs of my back deck (put in long before i purchased the house) are falling apart. I havent filed any claim or called them as of yet but just wanted some information before i start the process. ... |
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 Car insurance for 17 year olds? |
Hey people, i am 17 in april and i have been looking into buying a 1983 mini mayfair with 13"alloys and arches....and thats it...
onlly a 998cc, not the fastest of cars
... |
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 Purchasing life insurance? |
| I have adult family members that I want to purchase life insurance for. A $10,000 policy each to cover funeral expenses. I know that if anything happens to them I will be responsible. I'm ... |
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 What can my husband do? |
| My husband works for AllState and the agent he works under refuses to send out flyers or mailings. He expects him to make "cold calls" all day (while most people are at work) and still ... |
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 Is life insurance taxable at payout time.? |
| So if I die and my husband collects the $, is that $ taxable?... |
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 How long should an insurance claim take to be completed? |
| My kichen was flooded 10 weeks age and the insurance company keeps changing th goals posts and askeing for different things. is this right??... |
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 Got my drivers licence? |
Is going to be the first time me getting a job so I was wondering as soon as i start the job can i purchase a cheap car right away and insurance and stuff?
and cant get student loan ... |
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 I suffer from depression & was suicidal for a while, but now im tryin to get a mortgage & need life insurance? |
| would I be better off not mentioning anything about the suicide or depression, I know the insurance won't pay out if anything happens to me but the insurance would be cheaper, how much extra ... |
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 Can we insure our health with more than one insurance company? |
| If yes, how can we get reimbursement with one one set of original bills?... |
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 Where is the best place to look for life insurance for a 73 year old without exams? |
| My father is 73 years old and is diabetic (takes daily shots). I would like to take out a life ins. policy on him, but know nothing about it. I am assuming term (maybe 5-10 years) would be the best ... |
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 Who pays for the Medicaid program? |
| Is it the gov't. or does it come out of a special tax on salaries and wages?... |
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 If my mom is borrowing my car, is she covered by insurance? |
| Here's my situation. My husband and I have 3 cars. We recently found out that I am pregnant and want to let my mom take over payments. Would we be able to put her on our insurance even though ... |
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John H | My neighbors patio umbrella blew into my house during a storm - is he required to pay for the damage? |
My neighbors patio umbrella blew into my house during a storm - is he required to pay for the damage? |
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duped4thelasttime
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i believe he is. with things like this they have to draw the line somewhere, and the line in this case is that it was his property blowing onto your property, bottom line. no matter if it was his fault or not he is still responsible for it. it's unfortunate for him but there's no other way to get around it.
still not convinced? think of it this way. it isn't your fault that a storm came and it isn't your fault that he didn't have his umbrella secure in the event of high winds, so you shouldn't be responsible for the damages.
of course i could be very wrong and you could be proper f$%& (what movie did that come from?) |
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Charlie D
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Your own homeowners insurance should cover this.
Your neighbor's insurance would only be liable if the neighbor was "negligent". The fact that he was the owner of the umbrella is usually irrelevant. Your neighbor did not cause the wind. You did not say if the umbrella was open or not, but even if it was, you would have to show that the neighbor new, or should have known, that the wind was going to blow it free from the table, and into your house.
Very difficult to prove. |
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Misty L
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The Act of God answer would be more correct. It's not as if he picked it up and threw it through the window during the storm? If the same storm would have blown your trampoline onto his car and damaged it, you wouldn't be responsible just because you own the property. That's why we all should insure our property! For his insurance to pay, he would have to be Liable for the damages and this case he's just not... |
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barryfl
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No way. Your insurance pays for damage to YOUR home, his insurance pays for his. It doesnt matter where it came from. It would be covered as its a sudden and accidental event. |
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The Tall Cool One
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Your neighbor is not required to pay until a court order he or she to.
You can persuade the court to make such an order if you proved that a reasonable person could have foreseen and prevented the act that caused the damage.
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MsTisay
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Doubt it since it wasn't done in purpose. |
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C
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yes!
This case is a typical negligence case.
When you have personal property on your premises you are responsible for them, and have to be proactive to avoid any liability risks. If it was windy, he should have put the umbrella away, as it was a foreseeable event that happened.
Wind is a covered peril (dont know where these ppl get the idea of "Act of God"). Get his insurance information and file a claim with his insurance company. |
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leysarob
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Probably not -- act of God sort of thing is usually not covered. |
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Gabrielle W
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He should. I mean after all, it's his umbrella. |
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bundygil
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It was a foreseeable event in a storm, so he would be liable. |
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SmartBoy360
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Hell yeah they should pay for the damages cuz common sense would tell him to take the umberella down if a heavy storm was about to hit |
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