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I had a car that was stolen recently and i owed $3000 to finance compy
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My car hasn't ... |
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I recieved a check for $2,194.00, from the Authentic claims, Inc. It says I am to send the check to cover taxes, surcharges, and insurance on the winnings. Then they will transfer funds of
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blackadder1337 | Will my home owner's insurance pay for damage to a friend's car cause by a tree falling in my driveway? |
the friend's car was parked in my driveway when a storm blew a tree (mine) over causing damage to the car |
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DuSteDShaDoW
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Yes... your homeowners (P&C Insurance) should cover this, call your agent as soon as possible to report the claim. |
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mbrcatz
 |
No. It's not a "liability" situation - you weren't negligent. Your friend will have to submit the claim under his "comprehensive" coverage on his auto policy. If he doesn't have comp, he could try to sue you, but he'll lose, and you won't have to pay. |
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bearmeister34
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Fightingsaint is absolutely right. Couldn't have said it better myself. |
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fighting saints
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In order for your insurance to pay for the damages there has to be negligence on your part. Any homeowners liability policy will only pay if their policyholder is negligent. Just because you owned the tree that fell does not automatically make you negligent. You have to be negligent in some way.
If the tree was known to be rotted and weak and you were warned about it but failed to remove the tree that would constitute negligence. However, that does not appear to be the case here.
They will have to present the claim to their own automobile policy under the comprehensive coverage of the policy. |
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Sue
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No, it will not because it was not your fault, the wind blew the tree down. Their auto policy will pay if they have comprehensive (otherwise known as other than collision) coverage on their policy. You have no control of storms and the wind so therefore you are not liable. The ONLY time you could be considered liable is if the tree was dying or dead & you KNEW it was dying or dead and did nothing about it. Any person making a claim against your homeowners policy has the burden of proof to PROVE you knew. Usually this is done by certified letter to the homeowner from a person that thinks the tree is in danger of falling. Some trees can be sick & show no signs, they still get leaves & look OK on the outside but be rotten on the inside. I hope this helps you. |
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Lisa R.
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The best way to answer your question would be for you to call your insurance company and ask them. It depends on your policy and what coverage you've selected.
Good Luck. |
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bernel1403
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yes. |
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Globalwide Insurance
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Yes your insurance company will pay for the damage for your friends car from your homeowners policy, but first see how much damage was done to your friends car and if thier was not alot of damage you should try to settle it on your own because your homeowners rates will go up by at least 15% and it will stay that way for 3 years and it will be tougher for you to find others homeowners insurance because of your claims history check out globalwideinsurance. com |
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kny390
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Usually yes. Unless you knew that the tree was a danger - like already dead and you did nothing to eliminate the hazzard. |
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