Another insurance question. Whose insurance covers this?

parentofpeople
Wed, 13 Aug 2014 00:41:34 +0000

I wouldn’t ever ask someone to pay out of pocket because the damage happened at their house, but if it were my tree that fell on someones car I would feel like I should offer. I just wondered if anyone else felt that way.

If my insurance company told me it was their homeowners responsibility I would also feel bad making a claim against their insurance if that is what was supposed to be done. That is why I even said up thread that I would rather the insurance companies worked it out without me getting involved if that was how things were going to go.

As it turns out, our carrier said it is our comprehensive that covers it so that is what we are doing (as long as it makes sense to file a claim). I have no intention of asking them to help pay the deductible, I just wondered if people would feel guilty not offering to help.

For the record where I live, if you want to park somewhere that isn’t under a tree you will have to park in the next town and walk!