your auto insurance
your mother
If you do not have comprehensive insurance, unfortunately you do. Bummer!
No. This is an act of god. You should notify your car insurance.
When Big Tree Falls was created in 1984.
No. This is why landlords require tenants to carry renter's insurance. Call your car insurance provider.
Geico covered the damage caused to my Durango when a branch fell on it. I had to pay a decuctable.
House Falls on CarNo. That's what Auto insurance is for. It's the same as if a tree falls on your car. You would need to look to the comprehensive portion of your auto insurance policy for repair of your automobile.
NO. A property owner is not responsible for acts of nature.
This is the same situation as in the house question. If a storm causes a tree to fall and it hits your car then your car insurance will be the only avenue to pay for damages to your vehicle. The only way the neighbor could be at fault is if the tree was dead and if the neighbors knew it was dead and did nothing about removing the tree. You would have needed to send them a letter informing them of the tree as well and asking them to remove it to secure the liability on their part.
In general, Nobody is liable for an act of nature. Your auto insurance comprehensive coverage would cover damages to your car. Your homeowners insurance will cover damages to your home. The neighbor would be liable only if your can prove the neighbor knew the tree was rotten and posed a risk. If a car falls on your property, that would mean a tornado picked it up and it fell on your home. You insurance would cover that damage.
Mother Nature would be the "responsible" party. The homeowner is not "liable" for acts of nature. Your homeowners insurance is not responsible for a natural act that causes damage to property of another. Your neighbors car is not listed as covered property on your Homeowners policy. Your homeowners insurance would also not pay if the tree fell on your own automobile. If a tree falls on someones car they should file a loss claim with their Auto Insurance Company. If they have comprehensive coverage then it will take care of their loss.