What to do if the township’s trash service truck hit my deck in the back but said that they care not liable for any damage?

Get Legal Help Today

 Secured with SHA-256 Encryption

What to do if the township’s trash service truck hit my deck in the back but said that they care not liable for any damage?

We had the police make a report. The township says that I must go through my insurance. Is this true or do I need to begin a lawsuit?

Asked on February 4, 2015 under Insurance Law, Pennsylvania

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

First, if you have the relevant insurance, you should definitely contact them: if you fail to provide timely notice of an accident, then if you later need the insurance, you may find that you are in breach of your policy obligations (most policies require notice of potential claims) and unable to collect. Also, if you have applicable insurance, that the easiest way to be paid--and coverage/compensation *is* what you've been paying your premiums for.

 

That said, if the municipality's truck was at-fault in damaing your deck, the municipality may well be liable, and you should be able to sue them. It's still the best idea to first see what your insurance covers, then sue the municipality only if 1) you're not covered or 2) for any amounts not paid by your insurer, like a deductible.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption