An Act of God - GoFuckYourself.com

HandballJim · 11-03-2011, 06:42 PM

Last weekends snow storm that hit the East Coast not only killed half of my apartments power for 4 days, but a large tree branch fell on my 2000 Toyota Corolla and fucked it up. I called my insurance company and told them what happened, and mentioned it happened at the complex I live in. I told them I want my co-ops insurance to pay for this. She tells me to get an estimate. So I bring it to the body shop for an estimate and the guy says it's totaled. Since the body/roof damage will exceed the value of the car 3k.

I call and forward photos to the management company, then he gives me the number to the insurance companies broker. The broker tells me he will give me the direct number to the insurance company but also tells me that you don't have a case since it was "An Act of God" so I am like WTF my wife is from Japan and they don't believe in God. So he gives me the direct number to some lady named Megan.

I called Megan and she basically told me "it was an Act of God" and sorry the complex is not responsible for something they did not cause. Tell your wife it's mother natures fault.

Should I consult my lawyer or is this some loophole that insurance companies get away with? My other option is to put a claim in with my auto insurance company since I still have full coverage on the car. I would think if I do this my insurance will go up?

WarChild · 11-03-2011, 06:46 PM

If you check really close, you'll probably find your auto insurance doesn't cover acts of god either.

L-Pink · 11-03-2011, 06:46 PM

I have a feeling you will have to go thru your own insurance.

.

Supz · 11-03-2011, 06:47 PM

Quote:

Originally Posted by HandballJim

Last weekends snow storm that hit the East Coast not only killed half of my apartments power for 4 days, but a large tree branch fell on my 2000 Toyota Corolla and fucked it up. I called my insurance company and told them what happened, and mentioned it happened at the complex I live in. I told them I want my co-ops insurance to pay for this. She tells me to get an estimate. So I bring it to the body shop for an estimate and the guy says it's totaled. Since the body/roof damage will exceed the value of the car 3k.

I call and forward photos to the management company, then he gives me the number to the insurance companies broker. The broker tells me he will give me the direct number to the insurance company but also tells me that you don't have a case since it was "An Act of God" so I am like WTF my wife is from Japan and they don't believe in God. So he gives me the direct number to some lady named Megan.

I called Megan and she basically told me "it was an Act of God" and sorry the complex is not responsible for something they did not cause. Tell your wife it's mother natures fault.

Should I consult my lawyer or is this some loophole that insurance companies get away with? My other option is to put a claim in with my auto insurance company since I still have full coverage on the car. I would think if I do this my insurance will go up?

Its not a loophole. You cant blame your complex for the weather. If they were doing some remodeling or something, and it messed up your car. Then they are liable.

HandballJim · 11-03-2011, 06:53 PM

Quote:

Originally Posted by WarChild

If you check really close, you'll probably find your auto insurance doesn't cover acts of god either.

I will need to read that thing

Quote:

Originally Posted by L-Pink

I have a feeling you will have to go thru your own insurance.

.

hmmm not sure if it is worth it, the car still works, but I would take that money and buy a new one. I am just worried about the insurance going up...

Quote:

Originally Posted by Supz

Its not a loophole. You cant blame your complex for the weather. If they were doing some remodeling or something, and it messed up your car. Then they are liable.

that sucks, I also had some damage from Hurricane Irene that messed up part of my wood floor from my balcony getting flooded. I should have pressed the management company on this one, but they did waterproof the balcony since then.

Captain Kawaii · 11-04-2011, 12:48 AM

Quote:

Originally Posted by HandballJim

Last weekends snow storm that hit the East Coast not only killed half of my apartments power for 4 days, but a large tree branch fell on my 2000 Toyota Corolla and fucked it up. I called my insurance company and told them what happened, and mentioned it happened at the complex I live in. I told them I want my co-ops insurance to pay for this. She tells me to get an estimate. So I bring it to the body shop for an estimate and the guy says it's totaled. Since the body/roof damage will exceed the value of the car 3k.

I call and forward photos to the management company, then he gives me the number to the insurance companies broker. The broker tells me he will give me the direct number to the insurance company but also tells me that you don't have a case since it was "An Act of God" so I am like WTF my wife is from Japan and they don't believe in God. So he gives me the direct number to some lady named Megan.

I called Megan and she basically told me "it was an Act of God" and sorry the complex is not responsible for something they did not cause. Tell your wife it's mother natures fault.

Should I consult my lawyer or is this some loophole that insurance companies get away with? My other option is to put a claim in with my auto insurance company since I still have full coverage on the car. I would think if I do this my insurance will go up?

My wife's from Japan too. Sure they believe in God(s), 9 million of them or so... Just find one on your side and go after the complex first. Check the tree, was it rotted out, was it in bad place to have tree? Maybe call the State BAR and get a free lawyer referral....
I understand act of god routine but there still may be some liability if complex was in any way at fault...if you do pursue it with them you can also expect not to be renewed when lease is up too...maybe.

Mr Pheer · 11-04-2011, 12:51 AM

You can prove your car is damaged. Can they prove there is a god?

It wont get you anywhere but it would be funny to ask them.

papill0n · 11-04-2011, 01:11 AM

Quote:

Originally Posted by Mr Pheer

You can prove your car is damaged. Can they prove there is a god?

It wont get you anywhere but it would be funny to ask them.

I phoned em on his behalf.

They said he signed the contract and they're god.

AsianDivaGirlsWebDude · 11-04-2011, 01:48 AM

Tell them you drove into the tree to avoid hitting a child...

Good luck!

ADG

ottopottomouse · 11-04-2011, 05:57 AM

Surely it's a claim on your car insurance policy.

Michael O · 11-04-2011, 06:04 AM

Talk to your own insurance. They will then deal with your co-ops insurance company.
Most likely both yours and the co-ops insurance will go up but its worth a shot.

AsianDivaGirlsWebDude · 11-04-2011, 06:47 AM

ADG

Barry-xlovecam · 11-04-2011, 06:49 AM

**(your own) Auto comprehensive insurance coverage covers damages from storms.

Threaten to sue them; Insurers pay out on storm damage all the time -- hurricanes, tornadoes, earthquakes -- all storms are 'acts of god.'

Force majeure and civil insurrection are commonly excluded -- storm damage is common and unless specifically excluded -- covered.

*clarified - the contents of your apartment and your vehicle are covered by YOUR OWN INSURER. The co-op's insurer would cover damage to the commonly owned property of the co-op -- the buildings, landscape walls, personal injury on the co-op's property. For example if their tree falls on your car, it is an act of god, the "law of trees" -- where that tree falls is that guy's problem ...

PR_Glen · 11-04-2011, 06:52 AM

sounds like the co-op's insurance coverage is spotty so they may be off the hook. If you have full coverage on the car yourself you should be ok though.

pornguy · 11-04-2011, 07:04 AM

An Act of God would be the car vanishing in a Tornado or a Hurricane. A Tree that was not properly trimmed back for safety in storms in that particular area that hit every year is NOT an act of god its an act of poor management and safety on the part of the complex.

Some times its just in how you state the case.

raymor · 11-04-2011, 07:21 AM

I agree there MAY be some liability on the part of the co-op for not properly maintaining the tree, but the cool thing about full coverage is that you can let your insurance company deal with theirs. I'd just call your insurance company and tell them what happened, being sure to give them the name of the co-ops insurance. The two insurance companies will figure out who has to pay.

MediaGuy · 11-04-2011, 08:02 AM

Shit... isn't that tree on the complex's property?

Sounds like a dangerous, ill-maintained tree if you ask me...

:D

ad1983 · 11-04-2011, 09:57 AM

lmao... "act of god".

How can anybody say that with a straight face when denying a claim.

L-Pink · 11-04-2011, 10:03 AM

Quote:

Originally Posted by ad1983

lmao... "act of god".

How can anybody say that with a straight face when denying a claim.

See if "shit happens" is covered.

.

96ukssob · 11-04-2011, 10:03 AM

thats complete bullshit.

YOUR insurance has to pay for it, not the complex. Its called COMPREHENSIVE insurance coverage - check it out: http://allinsuranceinfo.org/auto/com...-coverage.html

There is no such thing as "Act of God" as long as you have comprehensive, thats why its there. Otherwise all those people who were a victim of floods, earthquakes, hail, etc. would be fucked.

You should look online for an insurance adjuster first. never try and deal with scum bag insurance companies yourself, they are all trash. Your insurance company doesnt want to have to pay for it because they are cheap assholes, thats the honest truth. I'm guessing you have an agent that you called right? He/she said "no" because they want their office claims to be low, thats why.

Dont let them dick you around!

11-03-2011, 06:42 PM	#1
HandballJim Confirmed User Industry Role: Join Date: Sep 2008 Location: NYC Posts: 4,024	An Act of God Last weekends snow storm that hit the East Coast not only killed half of my apartments power for 4 days, but a large tree branch fell on my 2000 Toyota Corolla and fucked it up. I called my insurance company and told them what happened, and mentioned it happened at the complex I live in. I told them I want my co-ops insurance to pay for this. She tells me to get an estimate. So I bring it to the body shop for an estimate and the guy says it's totaled. Since the body/roof damage will exceed the value of the car 3k. I call and forward photos to the management company, then he gives me the number to the insurance companies broker. The broker tells me he will give me the direct number to the insurance company but also tells me that you don't have a case since it was "An Act of God" so I am like WTF my wife is from Japan and they don't believe in God. So he gives me the direct number to some lady named Megan. I called Megan and she basically told me "it was an Act of God" and sorry the complex is not responsible for something they did not cause. Tell your wife it's mother natures fault. Should I consult my lawyer or is this some loophole that insurance companies get away with? My other option is to put a claim in with my auto insurance company since I still have full coverage on the car. I would think if I do this my insurance will go up? __________________ HOW I MAKE LOTS OF $$$

11-03-2011, 06:46 PM	#2
WarChild Let slip the dogs of war. Industry Role: Join Date: Jan 2003 Location: Bermuda Posts: 17,263	If you check really close, you'll probably find your auto insurance doesn't cover acts of god either. __________________ .

11-04-2011, 01:48 AM	#9
AsianDivaGirlsWebDude Purveyor, Fine Asian Porn Industry Role: Join Date: Jul 2004 Location: San Francisco Bay Area Posts: 38,323	Tell them you drove into the tree to avoid hitting a child... Good luck! ADG __________________ Asian Diva Girls - Exclusive Photos and Videos Asian Diva Girls Affiliate Program (50% ccBill Revshare)

11-04-2011, 05:57 AM	#10
ottopottomouse She is ugly, bad luck. Industry Role: Join Date: Jan 2010 Posts: 13,177	Surely it's a claim on your car insurance policy. __________________ ↑ see post ↑ 13101

11-04-2011, 06:04 AM	#11
Michael O More Cowbell Industry Role: Join Date: Jul 2001 Location: Nakhom Nowhere Posts: 10,607	Talk to your own insurance. They will then deal with your co-ops insurance company. Most likely both yours and the co-ops insurance will go up but its worth a shot. __________________ Truth Teller

11-03-2011, 06:46 PM	#3
L-Pink working on my tan Industry Role: Join Date: Mar 2005 Location: Florida/Kentucky Posts: 39,151	I have a feeling you will have to go thru your own insurance. .

11-04-2011, 12:51 AM	#7
Mr Pheer Confirmed User Industry Role: Join Date: Dec 2002 Posts: 20,892	You can prove your car is damaged. Can they prove there is a god? It wont get you anywhere but it would be funny to ask them.

11-04-2011, 06:47 AM	#12
AsianDivaGirlsWebDude Purveyor, Fine Asian Porn Industry Role: Join Date: Jul 2004 Location: San Francisco Bay Area Posts: 38,323	ADG __________________ Asian Diva Girls - Exclusive Photos and Videos Asian Diva Girls Affiliate Program (50% ccBill Revshare)

11-04-2011, 06:49 AM	#13
Barry-xlovecam It's 42 Industry Role: Join Date: Jun 2010 Location: Global Posts: 18,083	*(your own) Auto comprehensive insurance coverage covers damages from storms. Threaten to sue them; Insurers pay out on storm damage all the time -- hurricanes, tornadoes, earthquakes -- all storms are 'acts of god.' Force majeure and civil insurrection are commonly excluded -- storm damage is common and unless specifically excluded -- covered. clarified - the contents of your apartment and your vehicle are covered by YOUR OWN INSURER. The co-op's insurer would cover damage to the commonly owned property of the co-op -- the buildings, landscape walls, personal injury on the co-op's property. For example if their tree falls on your car, it is an act of god, the "law of trees" -- where that tree falls is that guy's problem ... Last edited by Barry-xlovecam; 11-04-2011 at 07:01 AM..

11-04-2011, 06:52 AM	#14
PR_Glen Confirmed User Industry Role: Join Date: Oct 2006 Location: Canada Posts: 9,058	sounds like the co-op's insurance coverage is spotty so they may be off the hook. If you have full coverage on the car yourself you should be ok though. __________________ webmaster at pimproll dot com

11-04-2011, 07:04 AM	#15
pornguy Too lazy to set a custom title Industry Role: Join Date: Mar 2003 Location: Homeless Posts: 62,911	An Act of God would be the car vanishing in a Tornado or a Hurricane. A Tree that was not properly trimmed back for safety in storms in that particular area that hit every year is NOT an act of god its an act of poor management and safety on the part of the complex. Some times its just in how you state the case. __________________ PornGuy skype me pornguy_epic AmateurDough The Hottes Shemales online! TChicks.com \| Angeles Cid \| Mariana Cordoba \| MAILERS WELCOME!

11-04-2011, 07:21 AM	#16
raymor Confirmed User Join Date: Oct 2002 Posts: 3,745	I agree there MAY be some liability on the part of the co-op for not properly maintaining the tree, but the cool thing about full coverage is that you can let your insurance company deal with theirs. I'd just call your insurance company and tell them what happened, being sure to give them the name of the co-ops insurance. The two insurance companies will figure out who has to pay. __________________ For historical display only. This information is not current: support@bettercgi.com ICQ 7208627 Strongbox - The next generation in site security Throttlebox - The next generation in bandwidth control Clonebox - Backup and disaster recovery on steroids

11-04-2011, 08:02 AM	#17
MediaGuy Confirmed User Industry Role: Join Date: Sep 2004 Location: Montrealquebecanada Posts: 5,500	Shit... isn't that tree on the complex's property? Sounds like a dangerous, ill-maintained tree if you ask me... :D __________________ YOU Are Industry News! Press Releases: pr[at]payoutmag.com Facebook: Payout Magazine! Facebook: MIKEB! ICQ: 248843947 Skype: Mediaguy1

11-04-2011, 09:57 AM	#18
ad1983 Registered User Industry Role: Join Date: Sep 2009 Posts: 30	lmao... "act of god". How can anybody say that with a straight face when denying a claim.

11-04-2011, 10:03 AM	#20
96ukssob So Fucking Banananananas Industry Role: Join Date: Mar 2003 Location: If I was in your ass you'd know it Posts: 12,991	thats complete bullshit. YOUR insurance has to pay for it, not the complex. Its called COMPREHENSIVE insurance coverage - check it out: http://allinsuranceinfo.org/auto/com...-coverage.html There is no such thing as "Act of God" as long as you have comprehensive, thats why its there. Otherwise all those people who were a victim of floods, earthquakes, hail, etc. would be fucked. You should look online for an insurance adjuster first. never try and deal with scum bag insurance companies yourself, they are all trash. Your insurance company doesnt want to have to pay for it because they are cheap assholes, thats the honest truth. I'm guessing you have an agent that you called right? He/she said "no" because they want their office claims to be low, thats why. Dont let them dick you around! __________________ Email: Clicky on Me