Will I have to pay for damage that was done to my neighbors car due to a storm?

  • by gibzaeban
  • Sep 26,2017
  • 9 answers

I live in Georgia and the hurricane Irma came through our town, wind was pretty strong and it blew our shade out of our back yard and it landed in our neighbors driveway. It scratched up our neighbors car, it was about $2000 worth of damage done to their car according to our neighbor. Our neighbor contacted his car insurance and was told they needed our home insurance information.
According to the information I found we would not be liable because this is considered an “act of God” because we didn’t cause the damage on purpose, but it was caused by the storm. I don’t know how accurate this is. I’m afraid we’re gonna have to come up with money out of pocket which is A LOT to us.
What should I expect from our insurance companies talking? What exactly does ”not being liable” mean when it comes to insurance?. Thanks.


LIKE OR DISLIKE:

  

Insurance Answers (9)

mbrcatz 2 months ago

Correct, it's highly unlikely you could be held responsible for the damages to the car, from the storm. Because you didn't cause the storm.
They have to file the claim under their physical damage coverage on their own auto policy.

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. 2 months ago

No. That is not your fault.

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Eva 2 months ago

Highly unlikely that you will have to pay if the insurance companies don't take care of it. Not being liable means it's not your fault and was unavoidable.

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Judy 2 months ago

Did you talk to your insurance company? It might be comvered under the liability part of your homeowner's insurance

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Who 2 months ago

No as you say - its called an "act of god"
"Our neighbor contacted his car insurance and was told they needed our home insurance information. "
Bet your neighbour told you this - cos its bullsh//t
You would only be liable if it was the result of your negligence
How can you have caused the storm?
What should you expect from your insurers talking? - nothing- cos you have no reason to give your information in the 1st place
they want to claim on anybody's insurance they claim on their own home insurance under "storm damage"

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Elaine M 2 months ago

Your insurance company will talk to their insurance company. I'm sure theirs understands that Irma is an act of god.

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Zarnev 2 months ago

If your neighbor's insurance wants your insurance information they will contact you. They will not tell your neighbor to get the information.
Most likely they don't have comprehensive coverage on their auto insurance so they're looking for you to pay.
If you are found liable your home insurance will cover the damage under your liability portion of the policy. However, proving you are liable would mean proving that you knew that or you caused the shade to blow onto their property and you did nothing to prevent it.

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Jadzia Dax 2 months ago

Take photos and plenty of them. Let the insurance companies sort it out. They may not pay. If they sue you plead not guilty and make them prove their case.

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Insurance Pickle.com 2 months ago

My money is on "no." The more likely scenario is they didn't insure their car or have a huge deductible. Unless they prove neglect on your part, but nobody here knows for sure. Regardless, as others have said, their insurance company would contact you...if they had insurance and if they thought you were responsible.
But, we do know that you insure the things that get damaged, not the things that do damage. Meaning if your tree fell on their fence, there is no tree insurance...just insurance for the fence. In that same scenario, they'd have to have sent you demands to remove the dead if it were dead. Seems like a very similar scenario.

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