If the tree is on your neighbor property and it is also their tree the answer is very simple, it is your neighbors responsibility.

The best advice I can give is to shop around. Traditionally, insurance companies don’t like young people in fast cars but you seem to have a good, clean record and you could just find a lower quote.

Here’s a website with some advice as to how to shop around for auto insurance. I hope this helps.

Good luck!

My experience is homeowner’s policies NEVER pay any damages on cars. if the house burns down and burns the car – tough – no pay. Cars are supposed to be separately insured for “comprehensive” damage (anything not a “collision”). it seems this is a problem of arithmetic – which is worth more? the no claim discount or the window? a window replacement may cost $200 or so – is the discount more? or less? than that. And – how long will it take to re-gain the no claim discount? (one year? Two years?). figure it out.

It would be the homeowners insuranceresponsibility, Unless there is a clause or exclusion in their policy where acts of god are not covered. If the tree is on a parkway that may be city or village property. You could always call nonemergency PD and see what they say. It would not be your neighbros cars insurance as their car did not cause the damage to your auto. Your best bet is to file w/ your own insurance company and let them determine who will pay them back thru subrogation

Neither will build your credit. Utilities and insurances are not shown on credit reports. Neither is rental history.

You have to have loans or credit cards for your credit report.

Try allstate, they have some great policies for young drivers with clean records. Good luck.

You might find a better rate if you went to an independent agent and had them look through their data base, but to be very honest, you have an excellent rate for someone under age 24 driving a sports car.

The key word here is NEGLIGENCE: if the neighbor knew of an existing problem and/or a pontential risk from a rotted or storm damaged tree and did nothing to eleminate or reduce the risk then there could be a case for the neighbor’s homeowners insurance to handle this. If, on the other hand, the tree showed no signs of falling over at a moments notice then there is no one to blame except mother nature or…the tree. Your friends auto coverage will have to cover this situation. As far as losing a claims free discount, well boo-hoo — sh*t just happens.

Esurance!!!!!!: they are excellent for what you’re looking for, and cheap! So, just type, point and click. They’ll give you a free quote (just make sure you have your info, like VIN, car make, model, and year, DL #, etc) online, and you can sign up right now and have your ID card printed as soon as you submit your info.

I can’t speak to losing the claim free discount since companies are not consistent as to how they administer those type of programs.

The who pays for the damages is the easy part. The auto insurance is the only place to have the claim paid.

In order for the neighbors insurance to pay for the damages there has to be negligence on the neighbors part. Any homeowners liability policy will only pay if their policyholder is negligent. Just because they owned the tree that fell does not automatically make them negligent. They have to be negligent in some way.

If the tree was known to be rotted and weak and they were warned about it but failed to remove the tree that would constitute negligence. However, that does not appear to be the case here.