A Tree Fell On My Car At My Friend's House - Whose Insurance Pays?
I bet if I did a poll, most people would think my friend's homeowner's insurance would pay for my car damage. What do you think? Reality is, a homeowner's insurance policy only pays for injury or damage that the homeowner is legally liable for. Chances are, the tree or tree limbs fell because of some kind of weather event. In that case, the homeowner is not legally liable as it is an "act of God" occurrence. In that case, you need to have comprehensive coverage on your ve