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HandballJim 11-03-2011 06:42 PM

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. :321GFY

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 (Post 18535785)
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. :321GFY

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 (Post 18535791)
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 (Post 18535792)
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 (Post 18535794)
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 (Post 18535785)
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. :321GFY

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 (Post 18536135)
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

http://www.totalcarcrashes.com/wp-co...3/crash227.jpg

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

http://www.demotivatingposters.com/w...gent-copy1.jpg

Good luck! :thumbsup

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

http://www.motifake.com/image/demoti...1299868780.jpg

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 (Post 18536969)
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

:1orglaugh:1orglaugh 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!


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