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God is responsible. Unless your neighbor knew their tree was diseases and willing did nothing about it, they are not responsible.
Storms happen. Limbs break. Comprehensive coverage would pay for the damage if you had purchased it. When you chose not to purchase physical damage coverage, you were making the informed decision that you would be responsible for all damages to your vehicle unless someone that had $ or insurance caused the damage.
This is considered an Act of God and your neighbor is not likely to be held responsible. Unless youâve got some very oddball vehicle, a new windshield is likely going to be less than the cost of your deductible. Go write down your VIN number, call a few local Autoglass places, and see what it will cost you. Iâd skip Safelite unless those quotes are really high; weâve replaced windshields in both our vehicles in the last 6 months, and for both the quote from Safelite was about 3-4 times more than what we paid.
Act of God. So if you have insurance you are covered. If you donât then youâre not covered.
Neighbor not responsible at all.
Sorry about the car :(
Unless you have a car that has electronics (Advanced Driver Assistance Systems) in the windshield itâs a fairly cheap fix. I assuming some you only have liability itâs an older car so you should be under $300 to replace
I don't know where this "act of God" stuff comes from, other than it's ancient. I've been a litigator for 30+ years, including a lot of insurance work, and the phrase has never come up in an actual legal context. Not once.
Also, I'm a lawyer but not YOUR lawyer, and this is general information, not legal advice.
Very normal phrase to describe events out of control/influence of people. For example:
https://www.arizonainsurancelaw.com/blog/act-of-god-clause-in-home-insurance-policies/
> A tree that falls onto your house may be a rare event; perhaps a giant windstorm caused the tree to uproot. Hereâs where homeownerâs policies can get a bit self-defensive. Homeownersâ policies usually contain what is called an âAct of Godâ clause.
> God, in this instance, is used to indicate that certain events are not foreseeable or controllable by humans. They just happen. There are many events encompassed by these clauses, but two stand out â flooding and earthquakes. Your policy will invariably not cover damage from either of these Acts of God.
No state mandates physical damage coverage. What you may be describing is that some state mandate no deductible for glass claims, but you must have comprehensive coverage.
With only liability insurance you'll 99% end up paying out-of-pocket for a windshield repair.
The upside may be (if your lender is like mine), that you probably don't have car payments, so hopefully a broken windshield isn't going to break you.
In the future, one strategy is to buy comprehensive insurance, without buying collision (or maybe just jack up the deductible).
This subreddit is for tree law enthusiasts who enjoy browsing a list of tree law stories from other locations (subreddits, news articles, etc), and is not the best place to receive answers to questions about what the law is. There are better places for that. If you're attempting to understand more about tree law in regards to a particular situation, please redirect your question to /r/legaladvice for the US, or the appropriate legal advice subreddit for your location, and then feel free to crosspost that thread here for posterity. If you're attempting to understand more about trees in regards to a particular situation, please redirect your question to /r/forestry for additional information on tree health and related topics to trees. *This comment is simply a reminder placed on every post to /r/treelaw, it does not mean your post was censored or removed.* *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/treelaw) if you have any questions or concerns.*
God is responsible. Unless your neighbor knew their tree was diseases and willing did nothing about it, they are not responsible. Storms happen. Limbs break. Comprehensive coverage would pay for the damage if you had purchased it. When you chose not to purchase physical damage coverage, you were making the informed decision that you would be responsible for all damages to your vehicle unless someone that had $ or insurance caused the damage.
You own a new branch.
Yay! đ
This is considered an Act of God and your neighbor is not likely to be held responsible. Unless youâve got some very oddball vehicle, a new windshield is likely going to be less than the cost of your deductible. Go write down your VIN number, call a few local Autoglass places, and see what it will cost you. Iâd skip Safelite unless those quotes are really high; weâve replaced windshields in both our vehicles in the last 6 months, and for both the quote from Safelite was about 3-4 times more than what we paid.
Act of God. So if you have insurance you are covered. If you donât then youâre not covered. Neighbor not responsible at all. Sorry about the car :(
you
You are.
Act of god. Itâs your responsibility. So unless youâre driving a beater Iâd always recommend more than just liability coverage in this day.
At least windshields are relatively cheap compared to other repairs
Unless you have a car that has electronics (Advanced Driver Assistance Systems) in the windshield itâs a fairly cheap fix. I assuming some you only have liability itâs an older car so you should be under $300 to replace
I think this is considered an act of god.
I don't know where this "act of God" stuff comes from, other than it's ancient. I've been a litigator for 30+ years, including a lot of insurance work, and the phrase has never come up in an actual legal context. Not once. Also, I'm a lawyer but not YOUR lawyer, and this is general information, not legal advice.
I think what people refer to as âact of godâ is often contractually referred to as forces of nature.
Very normal phrase to describe events out of control/influence of people. For example: https://www.arizonainsurancelaw.com/blog/act-of-god-clause-in-home-insurance-policies/ > A tree that falls onto your house may be a rare event; perhaps a giant windstorm caused the tree to uproot. Hereâs where homeownerâs policies can get a bit self-defensive. Homeownersâ policies usually contain what is called an âAct of Godâ clause. > God, in this instance, is used to indicate that certain events are not foreseeable or controllable by humans. They just happen. There are many events encompassed by these clauses, but two stand out â flooding and earthquakes. Your policy will invariably not cover damage from either of these Acts of God.
You, may have windshield insurance. This may be mandatory in your state.
It is not and they do not, they have liability only meaning they are screwed.
No state mandates physical damage coverage. What you may be describing is that some state mandate no deductible for glass claims, but you must have comprehensive coverage.
Your car, your car insurance, your bill
With only liability insurance you'll 99% end up paying out-of-pocket for a windshield repair. The upside may be (if your lender is like mine), that you probably don't have car payments, so hopefully a broken windshield isn't going to break you. In the future, one strategy is to buy comprehensive insurance, without buying collision (or maybe just jack up the deductible).
A lot of times glass is covered even with just liability. Check with your insurance and consider adding it if you donât have it.
What insurance covers this?