Liability
Say that I am towing my friend's new travel trailer with my pickup and hit a low hanging tree limb and destroy the trailer's electric awning. Whose insurance pays, minus the deductible, of course. ...
Forum Discussion
MFL wrote:
Tom, not taking sides here, but Turtle is right, you asked! He and several of us answered, going off original info. If the trailer owner was on scene, was the actual spotter, thinking clearance was good, you needed to disclose this info in OP. IMO, a spotter, especially trailer owner, that you are helping is now responsible, so yes this added info makes a big difference. Her insurance should pay and possible raise in insurance to her.
If you choose to help with the deductible, good for you.
Jerry
I wish life were so "Fair". I think that the insurance companies will take a stand based on black and white. It would not change anything if she said "Whoa" and I went "Go". It doesn't matter to them if the tree was a Maple or an Oak. Coverage is what it is, no more, no less. I got enough different answers to make me look it up myself. Thanks to all for their thoughts and advice. We will split the deductible either way.
