I would say that the tow truck is liable for this claim. This is also what your insurance company will say even if they go ahead and pay the claim to keep you happy. Most of the time your company will pay then they will subrogate against the responsible party. If you have comp and collision then their is no issue. If you have comp and not collision then issue of what happened may come into play.
Comprehensive auto insurance covers all physical damage to car. If you car is brand new, then the scratch-free paint job is an asset. If you get comprehensive auto insurance, you can claim damages when your car will eventually get scratched in the course of use.
The repair shop's insurance should cover this claim.
If the tenant damages the property he is liable for such damages. The Landlord may or may not have his own insurance for this purpose but the tenant is liable. If the Tenant has his own insurance (Renter's Insurance) then the Tenant may file a claim and damages will be covered by that insurance.
You will have to file a claim on your own comprehensive auto Insurance. A property owners insurance will not cover damages to your vehicle because a property owner is not liable for an act of nature.
Definetely you can claim for the damages caused by the tree falling on your house. The Insurance companies cover these damages under the property insurance. Just you have provide the photos of the damaged house aas an evidence to claim your money.
Your insurance policy is designed to protect you and your assets. If someone else is making a claim against you for damages, even an unsubstantiated claim, your insurance company has a duty to review the details of the claim and handle accordingly. It's what you pay them for. If you were not negligent, your insurance company should determine that and notify the party making a claim against you that you are not liable for their damages. As for your own vehicle, if you don't want to file for the damages under your collision or comprehensive coverages (whichever is appropriate for the situation), you don't have to. However, if your insurance company wants to complete an estimate of your damages and take photos, you are required to comply. Part of your policy contract with the insurance company includes a section called 'Conditions' and that section states that you agree to cooperate with the investigation of all claims.
If you file a comprehensive claim with your company, they might hike your rate since you're essentially "billing" them for the damages.
Probably. Contact your insurance. They may file against your neighbor's insurance.
yes
You can make a claim, but if you are claiming the same damages that is insurance fraud and it is a federal crime. If you have unrelated damages you can make a claim, or you can disclose the prior claim to your insurance carrier and they will advise you if there is any coverage that would apply.
Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.
You will have to file a claim on your own comprehensive auto Insurance. A property owners insurance will not cover damages to your vehicle unless you could prove willful negligence. This is because a property owner is not liable for an act of nature.