Insurance cross-question; Auto, home?
My neighbors tree fell onto my property during hurricane IKE, crushed my 1957 ford, hit two more cars. and house. my insurance co USAA says that that i have to reimburse the deductible, it was her tree. she pays nothing. i did not hold the old car insured as a an antique(I did not know that i could) so the insurance say i get nothing.. since the vehicle were on my property doesn't the homeowners insurance cover this? Never filed a claim and I don't get the drift all this... to me its simple her tree, my cars, why do i have to wages? The person at USAA was rude and curt on the phone. I am impressively unhappy with how they own treated me.
Check with your state's Insurance Commissioner's bureau as to what is in the law and possibly to record a complaint. I would think the insurance company would have to administer you enough money to replace any lost property at a fair open market value regardless of whether you had it insured instinctively or not...it's their customers fault. Try to get the sports car appraised in it's pre-damage condition or check Hemmings.com for any cars for sale which may be close to it surrounded by condition, mileage, options, wear, etc... You should not have to money a deductible as a non-insured party claimant unless that's part of the insurance reg's contained by your state.
There is a specific exclusion on homeowner's policies for damage to cars. Cars are not included with the rest of your personal property to be exact covered by homeowner's insurance because coverage for damage to cars is available for purchase under your auto policy (comprehensive and collision coverage). This prevents general public from double dipping and collecting from 2 policies for the same claim.
When a neighbor's tree falls on your property it is 99% of the time your responsibility to pay for the cleanup, it is classified along beside all the other objects that can fall on your property. the with the sole purpose way to get your neighbor's insurance to settle is if you can prove the tree was diseased or otherwise posed a threat to your property and that the neighbor was notify of this and refused to take deed to correct it. If the tree was healthy and be just knocked down due to a storm, afterwards the neighbor is not negligent and therefore not obligated to remuneration.
You may be able to fight the payout for the 57 Ford since USAA should enjoy told you that you'd get next to zilch for insuring it the same way as your other vehicle. Anytime an insurance agent is asked to provide coverage for an antique car they should suggest an antique auto policy rather than a regular policy because this is the solitary way to adequately cover the vehicle should it get damaged. If the agent doesn't submit antique auto coverage they should notify the customer of this and if that means letting another agent insure the antique car, so be it. Let the claim rep know you be never notified that the car could/should own been insured as an antique and ask who you should speak with to report a complaint with USAA for not insuring you properly. Source(s): Insurance agent, 10 years
"> Your insurance company is correct. You must pay any (comprehensive) deductible. The owner of the tree pays nothing. You can ask your company to subrogate next to the tree's owner. They probably won't but that wouldn't stop you from asking your neighbor to pay half or adjectives of your deductible.
The ford would only be covered if you had comprehensive on it. It is not a soul else's fault that you didn't have the Ford insured. That coverage is around
Related Questions:
Check with your state's Insurance Commissioner's bureau as to what is in the law and possibly to record a complaint. I would think the insurance company would have to administer you enough money to replace any lost property at a fair open market value regardless of whether you had it insured instinctively or not...it's their customers fault. Try to get the sports car appraised in it's pre-damage condition or check Hemmings.com for any cars for sale which may be close to it surrounded by condition, mileage, options, wear, etc... You should not have to money a deductible as a non-insured party claimant unless that's part of the insurance reg's contained by your state.
There is a specific exclusion on homeowner's policies for damage to cars. Cars are not included with the rest of your personal property to be exact covered by homeowner's insurance because coverage for damage to cars is available for purchase under your auto policy (comprehensive and collision coverage). This prevents general public from double dipping and collecting from 2 policies for the same claim.
When a neighbor's tree falls on your property it is 99% of the time your responsibility to pay for the cleanup, it is classified along beside all the other objects that can fall on your property. the with the sole purpose way to get your neighbor's insurance to settle is if you can prove the tree was diseased or otherwise posed a threat to your property and that the neighbor was notify of this and refused to take deed to correct it. If the tree was healthy and be just knocked down due to a storm, afterwards the neighbor is not negligent and therefore not obligated to remuneration.
You may be able to fight the payout for the 57 Ford since USAA should enjoy told you that you'd get next to zilch for insuring it the same way as your other vehicle. Anytime an insurance agent is asked to provide coverage for an antique car they should suggest an antique auto policy rather than a regular policy because this is the solitary way to adequately cover the vehicle should it get damaged. If the agent doesn't submit antique auto coverage they should notify the customer of this and if that means letting another agent insure the antique car, so be it. Let the claim rep know you be never notified that the car could/should own been insured as an antique and ask who you should speak with to report a complaint with USAA for not insuring you properly. Source(s): Insurance agent, 10 years
"> Your insurance company is correct. You must pay any (comprehensive) deductible. The owner of the tree pays nothing. You can ask your company to subrogate next to the tree's owner. They probably won't but that wouldn't stop you from asking your neighbor to pay half or adjectives of your deductible.
The ford would only be covered if you had comprehensive on it. It is not a soul else's fault that you didn't have the Ford insured. That coverage is around
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