Garage fell on car

InsideInsurance

!!!!!! wrote: »

House insurers tend not to cover damage to 3rd parties if caused by storms, that's an Act of God

Just as it doesnt cover the life of someone murdered in another town.

Your home insurance covers your property excluding motor vehicles. It also gives you third party liability insurance, ie insurance for your liabilities to third parties.

An Act of God is irrelevant, unless you happen to be God, in which case it may be excluded because it was an intentional act. If there is no negligence or other tort that creates liability then you've no third party liability and so third party liability insurance doesnt pay out.

As has already been said, to claim off your fathers home insurance you have to prove that he was negligence and then sue him. If the case wins then they will pay and his insurance will be loaded for it. If the claim fails, your costs are increased.

You say you arent at fault, how was your father at fault? If he wasnt, as you seem to possibly suggest by not wanting to prove he was, then why should he have to pay? If you think God was at fault, then sue him.

Nasqueron

Sorry, I'm an atheist, act of god doesn't apply as there is no blame for a non-existent being, any more than it was the fault of the flying spaghetti monster

Act of nature maybe

System

Oh No! Are you now saying that there is no spaghetti monster?

At least the bogey man is real

TrickyDicky101

Billybrown wrote: »

My father's garage fell on my car ...

Was anybody else's first thought that the OP had actually been mistakenly using the automated garage controls instead of his Monster Buggy controller?

GwylimT

What model/year is your vehicle, if only the bonnet is damaged it shouldn't be too costly, if it is you might find it cheaper to get a bonnet from a local scrap yard.

hollie.weimeraner

!!!!!! wrote: »

House insurers tend not to cover damage to 3rd parties if caused by storms, that's an Act of God

You could always get Billy Connoly to sue the insurers. As per the film "The man who sued God"

kpearsoncj

You wont pay the insurance but you will sue your father - family loyalty eh over money ! Lol

forgotmyname

Did they name the storm? Sue the Storm?

Although they are unruly and go around uninsured without a care....

Ebe_Scrooge

What sort of a person sues their own father ??????

InsideInsurance

Ebe_Scrooge wrote: »

What sort of a person sues their own father ??????

Many do when theres insurance there to actually pick up the bill, particularly in RTAs where wife and kids are "injured" but then all of them go on a nice holiday with the father after getting the settlement cheques.