I saw on one of the court shows where that exact thing happened. A tree fell into a neighbor's yard and damaged their fence. The neighbor tried to sue the guy who's tree had fallen. However, the judge said that it was not the guy's fault that mother nature caused the tree to fall. However, if the neighbor had given multiple written notices in advance asking the neighbor to please have the tree chopped down, the she would have had evidence that there was an on-going problem and the guy would have been responsible for damages to her fence.

The analysis is somewhat more complex, and involves the issue of negligence. Stated otherwise, if the was known, or should have been known, to be rotten or otherwise subject to collapse, its owner was responsible for attending to it. If it does cause damage due to its weakened condition, the owner's liability insurance should answer for the neighbor's damage. The failure to have attended to the tree when the owner know that it was likely to cause damage is the essence of negligence.

If, for some reason, the damaged party's insurer pays for the repair, it can subrogate against the tree owner (and his/her insurer) and attempt to recover its payment. That process is called subrogation.

You can obtain your own auto insurance or you can be covered under someone else's policy such as your parents or the vehicle owners policy, but you must have coverage. If you are a minor and want your own policy, due to the limitations of contract law your parent or legal guardian will need to countersign your insurance application for it to be legally binding.

A Drivers Permit comes with all the responsibilities of anyone licensed or not who operates a motor vehicle on public roads, including our financial responsibility. No state provides exemption from Financial Responsibility Laws for minors or permitted drivers.

More Information:

• You can get insurance with a permit. I live in Florida and got it with a Learners Permit
• Some Insurance Companies may not require you be added to the vehicle owners or parents policy until you complete your test and get your drivers license, but you can't drive uninsured in any event. It's best to contact your Insurance Company and ask what the policy is for newly permitted drivers.

More input from Wiki s contributors:

• In all 50 states, vehicle owners are required to carry some form of financial responsibility, generally, this requirement is filled by an automobile insurance policy, although in some states it may be satisfied by a bond or other form of security. When you or a member of your household owns a vehicle and you obtain a learner's permit, you must be added to the insurance policy that covers that vehicle as a household operator. Not all insurance companies will charge additional premium to add you as an operator..
• However, if you obtain a learner's permit and neither you nor any members of your household own a vehicle, you will not need to obtain separate insurance. Make sure that any non-owned vehicle that you drive in is covered by an automobile insurance policy and that you follow the restrictions of your learner's permit. As long as you are a permissive operator (meaning that you have permission from the owner to drive the vehicle), you will usually be covered by the owner's insurance policy..
• I'm from WA state and a parent to a 17 and 20 year old and they were covered under our auto policy until them became a licensed driver. Check with your insurance company but, under no circumstance would I or my kids with out insurance!.
• I think it varies from state to state and depends on your individual insurance company and the type of policy purchased. We are in Illinois and have State Farm insurance and I also have a 15 year old that is getting his permit next week. I spoke with my insurance agent and NO I do not need to add him until he gets a full license. Even then don't sweat it to much especially if you are with a good company because most offer big discounts for good students and provide safe driving seminars..
• I live in Virginia where you don't need an, "Insurance Policy," at all. Instead of buying an insurance policy you are allowed to pay into a general fund, about $400 per year..
• Whichever car you're driving should be insured, and in some cases, if it's your parents' policy then you will need to be specifically added to that policy. Once you get your license and are 18 years of age you can start looking for your own insurance policy. However, please remember that it's difficult for teenagers to get a decent auto insurance quote.
• The State of New Hampshire does not require Insurance. If a vehicle is financed, the lending institution will require it but if you own a vehicle outright, there is no state law mandating insurance coverage. It would be foolish to not have any insurance at all. A simple liability policy is pretty cheap but there isn't a lot of coverage. If you get hurt or hurt someone, it's on you to take care of damages and medical responsibility. You don't have to have it, but you should and don't get caught without it.
• If you are the permit holder and you are driving your parents' car, you may be covered under your parents policy depending on the coverage purchased so long as you are driving with permission of your parents. If they have a standard form policy it will generally cover you. Some companies require a permitted child be added to the policy for coverage while others do not require until you get your full license, In most states there is a service that gets the names of new licensees and cross checks it with the list of insureds at an address and will inform the insurer of the new licensee so that you can more easily be 'added' if your parents 'forget.' If your parents continue to 'forget' some insurers will automatically add you to the policy and send your parents the new much higher premium....which is why your parents would have 'forgotten' for so long.

• It pays to look around and educate yourself on the variables possible in a pet insurance policy. Some policies are different from others, make sure you are satisfied with what you are paying for. You should think about what you are looking to cover, if you're trying to cover multiple pets, or older pets. If you are looking for routine care coverage or emergency care coverage, etc. All this plays a factor and different providers specialize in different care. You can usually get pet health insurance at your local veterinarian clinic or animal hospital.

• Always ask your veterinarian first about pet health and make sure the pet insurance company is licensed in your state.

• Check with your vet to find out who provides the best pet insurance.

• Check with a local pet shop.

• You can also check with your vet but also do your homework, because you don't want any surprises when you file a claim. Be certain to be truthful on all application documents.

• The safest way to check into buying insurance to cover a pet is to talk to the vet that you use. There are many different insurance plans offered out there, but what would matter is which insurance they will accept. Also consider if you do any traveling what would be most widely accepted.

• Congratulations on your "baby." You sound like an extremely good pet owner so I suggest you talk to you vet and they will give you several different pet insurance programs you can join up with. Please read their policies carefully and be sure you are getting the best bang for your buck. I would not use the internet to get your pet insurance. The vet is a phone call away.

Some major American Pet Insurance companies:

Veterinary Pet Insurance (800) USA-PETS

Pets Health Care Plan by The Hartford Group (800) 807-6724

PetCare and ShelterCare Pet Insurance Programs

Pet First Health Care

Embrace Pet Insurance

ASPCA Pet Health Insurance Pets Best Pet Insurance

Trupanion Pet Health Insurance

Most insurance policies are "indemnity products", meaning that the company pays all or most of the costs incurred.

However, there also exist "discount plans". These differ from indemnity plans in that they offer a discount from what would be the regular fee charged by the veterinarian. These plans are much less costly than true insurance, but they also provide a different kind of benefit. Understand that you are financially responsible for the payment of the fees, although they are discounted. You also must enroll in the plan and the sponsor of it charges an enrollment fee.

You must also be aware that veterinarians often stop their involvement in the plans, and therefore no longer offer the discounts that you were counting on. Therefore, it is important, before you join or use the plan that you ensure that the vet still participates.

All States as of 2005 are Required through New Federal Regulation to comply with and make available to all other states reciprocal driver records.

It Is not a matter of a ticket being reported to your state. It is only reported to your state if you fail to take care of it. However, the computer makes your records available to any insurer or state licensing division that cares to check it.

The reciprocal requirement extends to all states being able to automatically suspend or deny a drivers license in any other state until such time as the originating jurisdictions suspension or violation requirements have been satisfied.

The old days of leaving behind unpaid traffic tickets in another state are gone. Information travels at the speed of light.

My advice: Pay the ticket quickly so you don't wind up taking a trip and hiring an attorney trying to get your suspended license reinstated.

If a ticket from another state defaults, your drivers license can now be suspended regardless of which state your licensed in. An unsatisfied traffic judgment in one state can prompt an automatic suspension in another.

The intent and spirit of the movement toward information integration and sharing of the various states agencies along with more efficient enforcement is ultimately to better serve and protect the public.

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It depends on the laws of your home state and whether your state posts out of state tickets. While most do, there are a few exceptions. NY is one.

In general, it always pays to fight an out of state speeding ticket. Never assume that you can just pay the ticket, regardless of what the officer tells you. Check to be sure how it will be posted to your record in your home state and you may also want to check with your insurance agent. In many cases it is cheaper in the long run to hire an attorney to try and get it reduced.

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I got a new york ticket. and then had other violations after that in Pennsylvania. The points in NY Don't transfer into P.A. and I called the DMV and they told me they had no record of out of state tickets. Just my violation in state. But I'm not sure if the insurance companies can see it, That's what I.m Looking Into now myself.

Some states report tickets to each other's DMV or MVD license bureau and some don't. If your state gets info from one of the states that shares, you will most likely see it on your motor vehicle report or If your old tickets go into a default status. Unfortunately, so will your insurance agency next time they take a look at it.

You may want to call your motor vehicle department to ask about it.

Potentially, yes. Your records reflect your entire driving history but it is up to the car insurance companies discretion to decide what they will and will not take into consideration when they determine your rates.

In the U.S.A. Many states have implemented a hybrid policy type they refer to as "No Fault Coverage", but the term is actually only applicable to first party medical coverage for sustained injuries in an auto Accident. So the "No Fault" indication is not applicable to the entirety of the coverage offered by the policy.

There is no true all "No Fault" auto insurance policy in the united States even though a state may say that it is a no fault state.

A more appropriate term for the no fault statutes has been proposed, "First Party Medical" rather than the term "no fault" which can be somewhat misleading to the general public.

Insurance Coverage. The answer below is incomplete. It is true that you should check with your carrier, but keep in mind, their answer will normally will result in getting more premium. With State Farm and Allstate you as a policyholder will always be covered, unless an excluded driver uses your vehicle. Otherwise you will be covered. If the driver who is involved in the accident lives in your home they will add the driver onto your policy, or exclude them in the future after the accident, regardless of who is at fault. If you are a new policyholder, you must disclose all drivers living in the household at the time you are purchasing the auto insurance, or run the risk of fraud. Autoclub will lower your liability to the state min. which is 15000/30000, regardless of what limits you have and are paying for. Mercury will try and get out of paying the claim until they get tired of you pushing them.

Mercury has to be one of the worst insurance companies one could have in the state of Ca.

The answer lies with your insurance company. If indeed they consider you an authorized driver/operator, they will be happy to provide a document to that effect. I think, however, that you will not be covered without being added to the policy by name. Everyone in my home that drives on our insurance has a card that states this.

More opinions and answers from other FAQ Farmers:

• You have to check with your agent. Some companies such as Mercury, require that everyone in a household be listed as a rated driver or an an excluded person including small children.

• There are several factors that need to be considered. "Family member" is a term rarely used on an automobile policy. My brother who lives across the country and probably doesn't even know the color of my car is a family member, but he MAY NOT be covered to drive my car. On the other hand, if he came to visit, borrowed my car and had an accident for which he is liable, those damages would likely be covered. Look for the term "resident relative" in your policy. That will dictate coverage questions for family members living within the same residence. The key here: is there someone either residing in your household or related to you and driving your vehicle frequently enough that they should be 'rated' so that your premium payment accurately covers your probable risk? (i.e., you may have a child that attends college away from home, but returns on major holidays and summer breaks.... you may have a sibling, down on their luck, waiting for finances to improve, but staying with you and using your vehicle to get to job interviews.) If you have non-standard coverage, the carrier will likely require you to list everyone in the household; those who do not have a valid drivers' license, or do not meet their underwriting criteria, will be specifically excluded.

The comments about Mercury Insurance and state limits are misleading. Not every state has the same minimum limits.

If you are carrying named driver limited lines coverage, 'covered drivers' takes on an entirely different meaning than on a standard policy form. On a standard policy form, nearly any licensed driver that drives your 'listed' vehicle WITH YOUR PERMISSION, is 'covered' while they are driving it barring insurance risk concealment fraud.

Generally, though there may be exceptions state to state or company to company, on a named driver policy, ONLY the 'listed' drivers are covered.

In Wisconsin, anyone to whom you give permission to drive your car is covered by your insurance. You can not exclude any driver here. The bottom line is, you need to check with an agent you trust in your state because the laws about who is hidden covered and who is not vary dramatically state to state.

• If you are over twenty five and this is the only ticket on your record in the last three years it will make little difference on your auto insurance rates. Insurance companies do not necessarily review your driving record every year. It is checked when you first apply and then it depends on the policy of that particular company.

• The problems will start with your second ticket. That is why it is important to keep any and all tickets off your record. Many states will allow you to take traffic school or they have a deferment program.

• Check the laws in your state to see what options are available. In most cases just showing up on your court date will allow you to negotiate for a reduction in the fine and points.

• If you drive a company vehicle or have a CDL license it is very important to keep your driving record clean because the records of these drivers are checked every year.

• As a general rule you can expect one four point ticket to increase your insurance premiums by at least 50% for each of the next three years. In many cases it is cost effective to retain an attorney to contest the ticket.

• There are too many individual factors to predict how much, if any, this one speeding ticket will increase the insurance premiums for the entire family. It depends on the number of cars, number of drivers and their MVR's, the insurance carrier, previous losses and state law. Many insurance companies will not check your MVR every year unless there is a change to the policy. If they do not check, then your rates will not change. Typically insurance companies only check high risk drivers and those who drive a company vehicle every year.

I'd also add that it entirely depends on which conviction you receive. Depending on your situation you could receive a more serious conviction or receive a lesser one.

Visit the Related Links for a list of all convictions and the points (seriousness) of each conviction for the UK.

Variable universal life insurance combines the flexibility of a universal life insurance with the investment account features of a variable life insurance.

Like variable life insurance, variable universal is considered a security. It can only be sold by agents who have passed the National Association of Securities Dealers (NASD) exam.

Answer

Variable life insurance allows you to control your portfolio of investments that is part of the cash value component of a whole life insurance policy. This could include stocks, bonds, or funds. As a result of this freedom, this is the most expensive type of insurance available in the market. Opt for such a policy only if you are completely confident about investing in the markets. While the risks may obviously be higher as there is no guarantee on your savings, the value benefits are also much more than any other insurance policy available.

Answer

Variable Universal Life insurance is permanent life insurance that has a cash value feature in it. The cash value is invested in a small selection of portfolios. Since it is invested, there is no guarantee interest and it may lose value. When you pay your premiums, you are paying for three things: The insurance, the cash value, and investment fees. If you know anything about mutual funds, mutual funds have their own annual operating expenses. Since these mutual funds are invested in a life insurance policy, you are paying more than 5% of annual expenses. Therefore, you will get a low rate of return on your cash value.

Every year, the cost of the insurance goes up. The insurance part of the policy is annual renewable term. That means more of your premiums is going to the insurance and less toward the cash value. Eventually, you will have to pay higher premiums in the future. If you don't, the policy will eventually lapse as the cash value is depleted.

They usually go by horsepower, stock and aftermarket modifications (i.e. turbo or superchargers), etc. They will usually know if you have a sports car or not. You can also have a car classified as rare or collectable that might be a sports car. If a car has two doors its almost always classified as a sports car no matter what. Also if the car is equipped with a manual transmission its also most likely a sports car. It also depends how on the replacement cost of the auto and location.

Insuring sports cars has always been a niche market, so it more often than not pays to do your homework and contact the specialist companies rather than the general insurers. If you have a classic sports car in mind, there are a specialist companies for these vehicles too.

More Information:

• I drive a '94 T-Bird. Some companies say it's a sports car (with the V6? Yeah right), some luxury (almost passes as that), and some just as a plain old car.

• I have a Firebird, 2 doors, manual and it's still not considered a sports car.

• I have a 2 door 2004 Dodge Stratus SXT that is only a 4-cylinder but rated a 19 which is a sports car rating with high premiums.