Liike a good Neighbor State Farm is there!
----- Original Message -----
From: Dennis & Becky Anderson <whatelse@qwest.net>
To: <dakota-truck@dakota-truck.net>
Sent: Sunday, June 16, 2002 11:22 PM
Subject: DML: Tree Falling on Truck
>
> This is how State Farm Insurance interprets the situation:
>
> If the whole tree, or at least the portion that fell, was
> obviously dead then the homeowner's policy for your friend
> would pay for your damages because S.F. would view your
> friend as being negligent for not removing the tree/branch
> and thus was liable for your damages.
>
> If it was an apparently healthy tree / branch that fell,
> then your automobile comprehensive insurance would pay,
> after deductible AND subject to discounting for any
> existing damage to the vehicle which would get repaired
> along with the tree damage AND limited to the pre-treefall
> value of the vehicle.
>
> I know this because I had a healthy maple tree fall on a
> neighbor's hedgerow and wipe out one of his trees. In the
> course of finding out how much of a "good neighbor" State
> Farm really is when it comes to casualty losses, I posed
> several 'what if' scenarios and one of them was that of a
> tree of mine falling on a neighbor's vehicle.
>
> If your friend is not negligent, he is not liable, his
> homeowner's insurance pays nothing. If he was negligent,
> he is liable, his insurance should pay for all damages,
> and you should only have to cover the inconvenience costs.
>
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