PENNSYLVANIAIf Someone borrowed my truck and brought it back with the whole back panel smashed in claiming a deer hit him, who's responsible? He claims he called his insurance and told them what happened and they claim that it's considered an act of god and they won't pay. I sued him in civil court and won, but he appealed it. He admits the incident happened however now he is trying to downgrade the value of the vehicle to excuse paying fully. He obtained and estimate for "bonding" that was only a quarter of my estimate. my estimate was for replacement of the panel versus "bonding", he feels I should fix it his way rather than the way it was before he borrowed it and after doing some research on "bonding" I have found that it is in dispute for many flaws and safety factors. So is he fully resposible and why would his insurance not pay? Thanks
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