Theoretical Question

[Indiana_Adam]

Vol, are the insurance companies in TN pretty clear cut on that? I've been told only way you're going to get the neighbor to pay is if you've had an arborist come and state, Yes, that tree is going to fall and needs to be remove. Dead trees can stand for a very long time. Or if the HO admits to fault. Some neighbors are great and upstanding citizens and will take responsibilty.

Nor, not just that it happens every year, but that it's easily preventable. I'm sure every metal roof installer tries to upsell the snowdams and explains snow is going slide of this roof at some point. Owner has prior knowledge and still chooses to do nothing about it.

 

[VolAgent]

Vol, are the insurance companies in TN pretty clear cut on that? I've been told only way you're going to get the neighbor to pay is if you've had an arborist come and state, Yes, that tree is going to fall and needs to be remove. Dead trees can stand for a very long time.

The only situations I am aware of it was the live tree that fell. The damaged party wanted the owner to pay, but they were told the law states that if the tree is alive then its an act of God.

Also, as I understand, this is written into the law. I'm sure an insurance company might fight it, but no idea how it would end up.

 

[joshb]

To answer the OP, I am pretty confident the vehicles comp coverage will pay. Falling objects is a peril covered under comp. However, I will say this, its all in how you report the claim. If you say you drove into the pile of snow, ice, etc. Collision, but, if you specifically say a falling object hit my car, comp will pay.

For example, my father hit a bumper in the road that fell off the car in front of him, as he called in the claim he specifically stated an object fell off the vehicle thus causing damage to his. It paid under comp. One of our clients drove into something ( some equipent for a contractor not sure what it was) that fell off the vehicle in front of her and she was vague and said she ran into something in the road. That paid under collision coverage and at her renewal the rate went up. The wording is very important when calling in the claim.

 

[BTFuzz]

To answer the OP, I am pretty confident the vehicles comp coverage will pay. Falling objects is a peril covered under comp. However, I will say this, its all in how you report the claim. If you say you drove into the pile of snow, ice, etc. Collision, but, if you specifically say a falling object hit my car, comp will

this is the correct answer.

 

[VolAgent]

For example, my father hit a bumper in the road that fell off the car in front of him, as he called in the claim he specifically stated an object fell off the vehicle thus causing damage to his. It paid under comp. One of our clients drove into something ( some equipent for a contractor not sure what it was) that fell off the vehicle in front of her and she was vague and said she ran into something in the road. That paid under collision coverage and at her renewal the rate went up. The wording is very important when calling in the claim.

So, next time just tell claims that the telephone pole just jumped out of no where and hit my car?

 

[joshb]

So, next time just tell claims that the telephone pole just jumped out of no where and hit my car?

Yep, they'll believe you :/. Cmon now use common sense and quit looking for issues. Have you ever filed a claim before? Have you ever filed claims on your customers behalf? If so you would know its all in how its worded.

 

[VolAgent]

Yep, they'll believe you :/. Cmon now use common sense and quit looking for issues. Have you ever filed a claim before? Have you ever filed claims on your customers behalf? If so you would know its all in how its worded.

Come on, it was a joke. Next time I'll add a . And if you read earlier, I'm not a P&C agent, I'm a life agent. Either he's dead or he's not.

"He's dead, Jim."

 

[jahyatt]

I remember someone suing the city of Chicago when an 8' icyicle that had built up on a bridge broke off, came through a windshield, and killed a woman that was driving down an expressway.

You can sue anyone nowadays. I heard a story, researched it to verify that it was true, a burglar sued and won after injurig himself breaking into someone's home.

 

[Newby]

So, next time just tell claims that the telephone pole just jumped out of no where and hit my car?

Depends. Did you honk your horn?

 

[Lyn]

The only situations I am aware of it was the live tree that fell. The damaged party wanted the owner to pay, but they were told the law states that if the tree is alive then its an act of God.

Not a good analogy since the tree is the property of the homeowner, but the snow probably is not. It would be either a comp or collision claim on auto policy, depending on how the claim is reported.