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| *Loan,banking and credit>>>property insurance |
If I damage my neighbour's property, why does he have to claim on his insurance instead of me? |
I left a tap on in my kitchen and the water seeped down into the flat below. Although it was my fault, my insurance company says that he has to claim on his insurance. This seems most unfair since it was my fault. What happens if he does not have insurance? My neighbor just had the same problem and she had to go through her insurance and the neighbors claimed that they would pay for her deductible but then backed out. Legally they can come after you for the amount of the deductible and whatever their insurance does not cover. So please make sure you take notes in regards to everything that happened and make sure you get a copy of any paperwork involved as well as pictures just in case they decide to come after you for anything that may have been damaged that is not covered by their insurance. Also ignore the jerk that said let their premiums go up, because if the shoe was on the other foot how would you feel. Obviously they must not have anything of value. Being honest will go along way with your neighbors. You never know when you might need them for something. A person's value is judged on their actions not what he owns. its his property and his details of the insurance. i mean, u can't exactly contact his insurance dealer can u? You are far too honest... let him take the hit against his insurance ...and hope his premium goes up ..hehe!! after all it was an accident... his insurance protects his property. If you are responsible they will come after you. I f he has no insurance, he will present a liability claim to you, which if you have liability coverage, you will present to your insurer. rlawr52 is right Supposedly, when you buy insurance, it is to protect yourself. There is another type of insurance you can buy to protect yourself from yourself (accident). But there is no insurance you can buy to protect other people from your mistakes.The only way that you can pay for the damage done is if you just do so. If he does not have insurance, then he can sue you himself, and then if you have the insurance to cover lawsuits, they should pay. It will be silly, and cost everyone more money, but I am afraid that is the case. it his damage not yours he claims though his insrances and they claim from you that the way it works if not he would have to take you to the small claims court if you or him did not have any insurances ....keeps people in a job |
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