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LookieNoNookie -> RE: homeowners insurance claim question (7/8/2012 3:01:11 PM)
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quote:
ORIGINAL: defiantbadgirl
As some of you might already know, my car with liability insurance was crushed by my neighbor's tree last night during a storm while parked legally along a street curb. I thought Sir and I would have enough money next month to buy something reliable until I looked at prices on good used vehicles. 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. They seemed to think even if I'd had full coverage, his homeowner's insurance would be responsible. Someone else told me I would have to prove my neighbor knew his tree was diseased? Now I'm confused. Is his homeowner's insurance responsible? Is there a way I can increase my chances of getting a settlement that way?
Hon, I've had a loooong history with insurance companies through various company's I've owned. I've won (gotten what I wanted) every time.
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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