Storm damage to neighbours car

SailorSam

If it's only a dint in the bonnet his car isn't going to be off the road and if it's only worth £800, he should be looking to go to a scrapyard and get a bonnet for £25.

jimjames

Having read this the one thing not mentioned that is probably more important to the OP than the damage to the neighbours car is that if they've potentially lost that number of tiles off their roof that they need to get that checked asap to avoid any further damage to their house.

And as for the claim, I agree with the previous post. Car worth £800 and getting worried about a dent on the bonnet - seriously? Why would you write a car off for the sake of a dent unless they have another reason for doing so such as knowing it is knackered and won't pass an MOT or be saleable for that amount.

maninthestreet

So - is your chimney missing a pot or two??

Stoke

Sounds like he's pulling a fast one. I'd wait until the insurance have come, I'd also perform a thorough inspection to find where it came from. How does he know?

That said, like others have said above, if you weren't to know, surely this is covered by his own insurance and yes be very wary, you might find your car keyed tomorrow or something. CCTV, or something similar may be in order.

facade

Put yourself in the neighbours shoes for a minute, he leaves his car parked and then finds pieces of house sticking out of it, so he naively assumes that the owner of the pieces of house has to pay for repairs.

How 20th century of him :rotfl:

Prothet_of_Doom

Aretnap wrote: »

Your insurer will only pay if you're legally liable. To be legally liable you would have to have been negligent in some way. Even if he can prove that the tiles came from your roof that's not enough in itself. He'd also basically have to prove that your roof was in a dangerous condition and that you knew, or should have known, that it was dangerous. That would not be easy - in the sort of storms we've had recently even well maintained roofs are at risk of losing tiles.

He should make a claim on his own car insurance if he has comprehensive cover. If his insurers think you may be liable they can pursue you or your insurer for reimbursement - they probably won't. If he doesn't have comprehensive cover then he's likely to be out of luck.

It seems harsh, that my underinsured car, could be damaged by my neighbours house/tree/roof tiles, and he wouldn't be liable, but hey, them is the rules, so when the OP eventually gets through to his insurer, they will pay for fixing his chinmey, or roof, but they'll tell the neighbour to Foxtrott Oscar.

The neighbour might find a second hand bonnet is a cheap fix. :rotfl:

Bantex_2

facade wrote: »

Put yourself in the neighbours shoes for a minute, he leaves his car parked and then finds pieces of house sticking out of it, so he naively assumes that the owner of the pieces of house has to pay for repairs.

How 20th century of him :rotfl:

Never been any different. It's about liability.

facade

As I was trying to say, most people won't understand this until it is tactfully explained, as it seems reasonable that if your roof falls on my car you should pay.

So taking this to extremes, if a tile blows off my roof and kills a pedestrian, leaving his 10 children orphaned, I should use the legal protection part of my house insurance to fight off any claim against me (once my builder drops in a statement of how he charged me a fortune in January to rehang some tiles and repoint the ridges & chimney) and they could all go onto the streets & beg?

Too right it seems harsh

Moto2

facade wrote: »

I should use the legal protection part of my house insurance to fight off any claim against me (once my builder drops in a statement of how he charged me a fortune in January to rehang some tiles and repoint the ridges & chimney) and they could all go onto the streets & beg?

........ and point them in the direction of the builder for recompense and try and get a bit of that action yourself whilst it's going

facade

Presumably the builder has legal protection that will fight any suggestion it was his fault.

The only winners will be the Lawyers, meanwhile all 10 children have no means of support...