Advise on storm damage claims/responsibility

[Richie]

That's because in the vast majority of cases there IS some contribution from the "innocent" driver, e.g. not taking evasive action quickly enough, being stubborn and not getting out of the way, or parking in a stupid location

So where there is clear evidence that the innocent driver is fully not at fault (dashcam for instance), the insurance companies don't then mark it as a claim to the innocent driver and don't then make an upwards adjustment to their policy for next year? Ha!, doubtful.

Rear-ended (ooh Matron.gif) for instance while sitting in queued traffic?

 

[Richie]

Might be a somewhat unpopular view but if a tree is felled / tiles fall off roof etc and damages next door neighbours property, surely it is for them to claim on their insurance to fix any damage?

That is the correct way to do it... It gets a little tricky if the 3rd party has no home/contents insurance though.

 

[Diagro]

I had a tree fall on some land I used to own.
It was a very tall crack willow.
It destroyed the neighbours fence, kids swings set and went through the roof of a nice looking Log cabin.

They said it was going to cost 10k to repair and rectify the issues. Wouldn't surprise me.

They asked me to pay, I refused.
They wanted to claim on my insurance. However I could never get insurance for what was in essence (in the neighbours words) a garden.

This labeling by them backfired on them, because they were told it was an act of God. And I as a "garden" owner was not liable.
If it was a building plot, then I may have been. However, there's been a decade long dispute with the neighbours about planning permission...

So... yea... not your problem financially.

Lol

 

[Mr Jack]

So where there is clear evidence that the innocent driver is fully not at fault (dashcam for instance), the insurance companies don't then mark it as a claim to the innocent driver and don't then make an upwards adjustment to their policy for next year? Ha!, doubtful.

They don't care. It's all about numbers on spreadsheets. They're in the business of statistics not judgement.

 

[Haggisman]

They don't care. It's all about numbers on spreadsheets. They're in the business of statistics not judgement.

Quite.

Whether they should look at each case individually is a different argument, but I don't think anyone would be happy with the huge increase in premiums that exponential increase in admin would cost!