What is the name of your state (only U.S. law)? NJ. I live on a 4 lane hi-way. A Car veh #1 made a left turn in front of a large truck veh #2. Veh. #2 (truck) left roadway and took down aprx 20 trees & shrubs on my property. Veh # 1 was citied as the cause and issued careless driving summons. Veh #1, the at fault party is insured with a MD ins.Co.,. the car was driven by a man living with the insured veh. owner. During My initial contact with Veh #1 insurance agent I was told their insured "was not at fault"..after faxing the ins. co. a copy of the police report showing their insured was named as well as the live in party that was driving the veh...the are now deciding if they (ins. Co.) are going to accept liability. What are my options and legal rights to pursue My claim for the property damages, I have the feeling this Co. is trying to avoid pmt. on my claim caused by their insureds veh. This is the response from the ins.co. " We are still investigating the details surrounding this loss. We will however assign a property damage inspector to access the damages done to your property in the event we accept liability. However ,at this time no decision has been made" Thanks in advance for any advice~What is the name of your state (only U.S. law)?