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UPDATED: Nov 7, 2011
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Insurance Question from NULL, NULL
Asked on 11/07/2011
windshield tree trimming branch broke neighbors windshiled who pays
Answer given on November 10, 2011
If you were trimming your tree branch and the branch fell on the windshield of your neighbor’s car, it could be determined that you were negligent in your actions and your personal liability insurance would pay for the damages. Most homeowner or renter’s insurance policies contain a provision for property damage to others in amounts of $250, $500 or more. This would be the coverage you could use to pay for the damage. This claim may or may not have an effect on your homeowner premium, since insurance companies sometimes increase rates for losses. However, often times a small loss like this may not affect your rates. You should talk to your insurance agent or broker and discuss this before filing a claim. If it will affect your rates you may want to pay for the damages out of your own pocket.The neighbor’s auto insurance might pay for the damages, but he probably has a deductible. His rates would not be affected for this loss, but the deductible would be an expense he might not want to incur. Also, if the insurance company makes a payment on his behalf they might turn to you for reimbursement.
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