So yesterday, I'm minding my own business, just chilling at home, when I hear this huge crash outside. Run out to see my poor car flattened by my neighbor's massive old tree. Like, completely squashed. Neighbor's apologetic and all, but now I'm stuck figuring out how to deal with insurance and stuff. Never had to file a claim before, especially something weird like this. Anyone been through something similar or got tips on how to handle it?
Had something similar happen a couple years back—neighbor's tree branch smashed my windshield during a storm. Insurance was surprisingly chill about it, just snapped some pics and filed online. Just make sure you document everything clearly... it'll save headaches later.
Yeah, documenting everything clearly is definitely key. I've handled a bunch of similar claims, and you'd be surprised how smoothly things go when people have clear pics and notes. Sometimes folks assume insurance will make it complicated, but honestly, most adjusters appreciate thorough documentation—it makes our job easier too. Good luck with your claim... storms can be a real pain, but sounds like you're on the right track already.
Reading through this thread makes me realize how little I actually know about handling insurance claims. I've always been cautious about these things and just bought my first policy recently. Now I'm wondering... in a situation like this, would it matter whose property the tree was on? Like, if it's clearly your neighbor's tree, does their insurance cover it, or does it still fall under your own car insurance? I always assumed the neighbor would be responsible, but maybe that's not how it works. Also, does the condition of the tree beforehand matter—like if it was obviously dead or damaged before the storm hit? Just trying to wrap my head around all this stuff before I ever have to deal with it myself...
Also, does the condition of the tree beforehand matter—like if it was obviously dead or damaged before the storm hit? Just trying to wrap my head around all this stuff before I ever have to deal ...
I've had a couple claims (my fault, unfortunately), and usually your own insurance handles it first, then they chase down the neighbor's insurance if needed. But yeah, if the tree was clearly dead or neglected, that might change things... insurance companies love details like that.
