liability of homeowner vs renter

[sunruner19]

What is the name of your state? New York

Renter (me) has car legally parked in driveway of residence. Snow and Ice fall off roof and do severe damage to renters truck. Homeowner says he is not a fault and his insurance will not pay. Called his insurance co and they say: Ice falls off trees, roofs etc and therefore it is an act of nature and we will not pay. Renter is told his comprehensive coverage on truck will cover damages minus deductible of $500.00 Renter feels he is not responsible for damages and why should his insurance rates go up, plus have to pay the deductible.

The homeowner just so happens to own a bodyshop business and offered to repair truck there with my insurance co paying for it minus the deductible. He refuses to pay the deductible.

So, my question is......Who is stuck paying for this?

 

[ShyCat]

You (renter) are "stuck" paying this. Such is life, get used to it.

 

[xylene]

The homeowner has offered to 'pay' the deductible by repairing it at his shop and not collecting the deductible.

This is the best offer you will get, and you are not entitled to any more than that.

Under what theory are you believing the homeowner is liable to you?

Unless their is negligence involved you are out.

 

[moburkes]

The others are correct. That is exactly what comprehensive coverage is for. Many people chose a lower comp deductible for this reason - if their vehicle is damaged for acts of nature, or the windshield needs replacement, etc, they don't have to pay so much out of pocket.

 

[CYA]

Comp claim won't increase your premium

As far as I know, Comp claims do not get added as a "chargeable" incident as do "at-fault accidents" or "major/minor citations". So I don't think you have to worry about your premium increasing.

 

[moburkes]

As far as I know, Comp claims do not get added as a "chargeable" incident as do "at-fault accidents" or "major/minor citations". So I don't think you have to worry about your premium increasing.

This post is over 1 month old. And you answered a question that wasn't even asked.