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Is his homeowner's insurance responsible?

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Here's how to win:

1) "NO, I find that entirely unacceptable" is the correct answer when they tell you "this is the best we can do".

2) "When you have a car that looks, drives, smells and sounds like the car that was in my driveway when your insured's tree landed on my car, I'll sign whatever you have for me to sign" is the only appropriate response to anything that doesn't sound like "we'd like to give you a car tomorrow that looks, drives, smells and sounds like the car that was in your driveway when our insured's tree landed on your car".

3) You have a right to a reasonably close approximation of the car you once had, paid for by the insured, until the debate is discontinued.

4) "My attorney will be in touch this week" is the next appropriate thing you can say after "NO, I find that entirely unacceptable".

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ORIGINAL: defiantbadgirl

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ORIGINAL: littlewonder

EErrr...it was a freak storm. Trees...dead or alive, good shape or not, are gonna fall over from the roots from the saturated ground or break in half due to lightning and high winds. It wasn't your neighbor's fault the tree toppled over. I mean, really??? Seriously? You're serious about this? You do realize that when this storm hit, it was like a tornado EF1 hitting right?

Where do you get the idea I think it was my neighbor's fault? I most certainly do NOT think it was my neighbor's fault. Homeowner's insurance companies pay claims for freak accidents. If someone falls down a flight of stairs and gets hurt at someone's house, that's not the homeowner's fault. Does that mean the insurance company shouldn't pay because there was no fault and it was a freak accident? "Really??? Seriously?" I don't see why it's any different with trees or why you think it always has to be somebody's fault.

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Then someone told me I should be able to get a settlement from my neighbor's homeowner's insurance company since it was his tree that did the damage.

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Someone else told me I would have to prove my neighbor knew his tree was diseased?

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The neighbor's tree had leaves so it wasn't dead, yet somehow the storm was able to break it off at the trunk and knock it over onto my car.

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ORIGINAL: littlewonder

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ORIGINAL: defiantbadgirl

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ORIGINAL: littlewonder

EErrr...it was a freak storm. Trees...dead or alive, good shape or not, are gonna fall over from the roots from the saturated ground or break in half due to lightning and high winds. It wasn't your neighbor's fault the tree toppled over. I mean, really??? Seriously? You're serious about this? You do realize that when this storm hit, it was like a tornado EF1 hitting right?

Where do you get the idea I think it was my neighbor's fault? I most certainly do NOT think it was my neighbor's fault. Homeowner's insurance companies pay claims for freak accidents. If someone falls down a flight of stairs and gets hurt at someone's house, that's not the homeowner's fault. Does that mean the insurance company shouldn't pay because there was no fault and it was a freak accident? "Really??? Seriously?" I don't see why it's any different with trees or why you think it always has to be somebody's fault.

This:

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Then someone told me I should be able to get a settlement from my neighbor's homeowner's insurance company since it was his tree that did the damage.

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Someone else told me I would have to prove my neighbor knew his tree was diseased?

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The neighbor's tree had leaves so it wasn't dead, yet somehow the storm was able to break it off at the trunk and knock it over onto my car.

And past experiences with your posts on here.

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ORIGINAL: defiantbadgirl

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ORIGINAL: littlewonder

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ORIGINAL: defiantbadgirl

quote:

ORIGINAL: littlewonder

EErrr...it was a freak storm. Trees...dead or alive, good shape or not, are gonna fall over from the roots from the saturated ground or break in half due to lightning and high winds. It wasn't your neighbor's fault the tree toppled over. I mean, really??? Seriously? You're serious about this? You do realize that when this storm hit, it was like a tornado EF1 hitting right?

Where do you get the idea I think it was my neighbor's fault? I most certainly do NOT think it was my neighbor's fault. Homeowner's insurance companies pay claims for freak accidents. If someone falls down a flight of stairs and gets hurt at someone's house, that's not the homeowner's fault. Does that mean the insurance company shouldn't pay because there was no fault and it was a freak accident? "Really??? Seriously?" I don't see why it's any different with trees or why you think it always has to be somebody's fault.

This:

quote:

Then someone told me I should be able to get a settlement from my neighbor's homeowner's insurance company since it was his tree that did the damage.

quote:

Someone else told me I would have to prove my neighbor knew his tree was diseased?

quote:

The neighbor's tree had leaves so it wasn't dead, yet somehow the storm was able to break it off at the trunk and knock it over onto my car.

And past experiences with your posts on here.

I didn't say my neighbor damaged my car. I said his tree did. Big difference. I wondered why someone said I'd have to prove my neighbor's tree was diseased and he knew it because I thought homeowner's insurance paid for no fault accidents. Actually, I was offended by the idea of blaming my neighbor. It appears your past experiences have lead to an overactive imagination.