then it is the owners fault
The parents.
The water damage would be covered, but look at your policy closer as the the animal damage may be covered.
If you hit public property you will have to pay for the damage no matter what.
Property damage is covered by a property liability insurance package. This applies to all incidents in which an automobile causes damage to another person's property such as a fence or house. If you do not have property liability insurance, the driver is responsible for covering the damages out of pocket.
Thunderstorms and bushfires are the ones that cause property damages and deaths
You will be liable for the difference.
Bodily injury liability and property damage liability should cover those.
If it is relative to an auto insurance policy, it for property damage caused to someone else's property. You or someone in control of your vehicle causes damage to anothers property, could be another vehicle, or some other type of property. ( personal liability/property damage) Coll would mean damage to your vehicle due to collision, and Comp would mean your comprehensive coverage for your vehicle for damage due to things like hitting a deer, or hail damage for example.
If an animal causes damage to your car in a car accident, you can only fine the owner of the animal 2.50.
It provides protection against damage or theft to items on your property. If something like a fire happens at your residence and damages your property, property insurance covers that.
It spreads and causes a bigger fire somewhere else or just causes more damage to where the fire was originally at.
Yes, as long as the tree is entirly on your own property. If it falls and causes damage to a neighbor's property, though, you can be held completly liable for it.