Coverage & Claims

Am I at fault if I swerve to avoid my neighbor's cat but hit his car?

In this instance, you will likely be held liable for the accident. Although you want to use your best judgment when it comes to avoiding an animal, in most cases, if an accident/collision occurs by you trying to avoid hitting an animal, you are responsible for the damages.

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General Insurance

Do I have to be paid out of pocket for an insurance claim?

To answer your first question, it is not too late to file a claim. The statute of limitations for property damage claims in California is two years.

Homeowners Insurance

Who is responsible for covering damage caused by a tree falling from my yard after a hurricane?

Assuming your homeowners insurance policy is up-to-date, you would need to file a claim with your insurance provider since the tree was on your property. The liability coverage on your homeowners policy should also cover the damage caused to your neighbor's home.

Coverage & Claims

If I accidentally drove my car through a neighbor's fence, will my insurance company pay for the damage?

The liability portion of your policy is intended to pay for damage that you cause to another vehicle or property. This should include fixed objects like street signs, fire hydrants, and in your case, a fence.

General Insurance
Homeowners Insurance

Who covers damage caused by a tree falling onto a neighbor's home?

It all depends on what caused the tree, or branch, to fall on your neighbor's property. If the branch became detached from the tree due to the storm, the damage would be considered an act of god and should be covered by your neighbor's homeowners insurance policy.

Coverage & Claims

If I backed into my neighbor's expensive vehicle, should I file a claim or pay for the damage out of pocket?

I would recommend waiting to hear back from your neighbor about the estimates. That's really going to be what helps you make your decision.

Coverage & Claims

If someone hits my uninsured vehicle, will their insurance pay for a rental car?

Liability coverage pays for damage caused to another vehicle and usually a rental to cover that other driver's loss of use of their vehicle. I would recommend contacting your neighbor's insurance provider to confirm the details of coverage since the claims process can vary by company.

Coverage & Claims

What happens if a drone hits my car?

It sounds like you are fairly confident that the drone was your neighbor's, so in this case you would need to file the damage claim with your neighbor's homeowners insurance company. If there was any dispute as to who was actually responsible, you could file the claim with your auto insurance company (assuming you have comprehensive and collision coverage) to get the repairs started sooner and then it would be handled between your auto provider and the other party's home insurance company.
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