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. ...
Sorry that a few of you think that I am avoiding my responsibility by sharing it with my girlfriend and insurance company. I will send the check back and pay for the whole deal if that will make you happy.
Some asked for the resolution of this accident and I was simply posting what the insurance company came up with. Sorry if it does not agree with your opinion.