so i get out of my house , im standing on my stairs looking at my car , then out of no where i see a big tree branch falling on it .
http://i16.photobucket.com/albums/b1...k/DSC00049.jpg

http://i16.photobucket.com/albums/b1...k/DSC00048.jpg

http://i16.photobucket.com/albums/b1...k/DSC00047.jpg
so yea broken windshield my whole hood is in deep scratches and my front bumper that i just painted 4 weeks ago .. great start for the weekend

 

You rent or own, if you rent your super should be covering that. That really sucks, glass aint cheap. Paint aint any cheaper either.

 

it was parket across the stree by a church of some kind .. so im talk to the guy from the church tonite . i have to pick up my police report on monday or so .. so i will try to get him cover it or i wil bring a layer in . last year something like that happened to . not to me but yea .. and it was a different tree i think those trees are just too old

 

comprehensive coverage on your insurance policy will cover that, minus the deductable. it falls under the "acts of god" stipulation.

and no your landlord/super is not responsible for that unless you can prove he/she was NEGLEGENT in maintaining the tree.

 

Thats a HUGE branch, wow

 

Dude...that effin sucks. =[

 

Too bad you're not in FL...free windsheilds FTW! Serisouly- its a law, and crack or chip, you get the thing replaced for free(no deductable, or raise in insurance).

Anyhow, that would fall under "acts of God". Or maybe blame it on the squirrel that was on top of it when it fell.

 

whoa dude. free windshields in florida? when the f did that happen?
i actually asked my insurance people like three days ago about "acts of god" and they said i would still have to pay my deductable (which is why i now pay more to have a lower deductable)

 

Been a law for as long as I can remember.

Like it is still a law that in Miami, any motor vehicle must be preceded 10 feet by a person on foot carrying a lantern. From the days of no headlights. No one has ever been tried for it, thus its never been overturned.

Anyway, back on topic. It depends on your insurance company. Chances are, you might have to pay your deductible, but your rates should not increase. My deduc is horribly high, so most damages to me would come out of my pocket. Think about what the costs would be in the long run, verify things with the insurance, etc.

Good luck! Oh, and did your car's life flash before your eyes when you saw it falling?

 

yea i think its pretty funny that it actually happened right as you stepped out your front door. its not like you came outside and saw it resting on your hood. you actually looked up to see the limb falling lol. thats messedup .

karma's a bich aint it.

 

haha u guys are funny .. in a way im happy it happen when i was outside because if it would of happen over night my car would be full of water =( it was raining like crazy with strong winds so yea lol ... and in a funny way i didn't react to what happen lol i was just watching it fall in slow motion lmao

 

Were you running desperately to try and dive on top of your car to save it?

This is so going downhill. Im stopping. Sorry. Who is your insurance carrier?

 

+1, I wouldn't even bother with the church, unless you don't have comp.

FWIW I implore all of you guys to check with your insurance company to see how much it is to have a "0.00" deductible on your comprehensive coverage. Alot of people don't know it, but that comp coverage is uber cheap, so a lower deductible usually doesn't make a big difference at all. Some companies may not offer a 0.00 deductible, maybe 50 or 100 at minimum, depends on the company.

 

Ouch that sucks

Tree in front of my house likes to do that..... only waaaay bigger branches. Yeah, I park my cars down the street

 

lol i know what you mean.. this was my old maxima ...like 3 weeks ago...i WATCHED my DAD back into me with his van ...lol but im happy because i now got my new max because of this...plus this one had 211,000 miles ..