In most states you may 'EXCLUDE' your husband from the policy. However, and this is VERY important, if you do that he must NEVER EVER drive that vehicle, because if he does and is in an accident, there is absolutely NO COVERAGE what so ever. Meaning you and your families assets are immediately put at risk. Here's a suggestion, why not think about buyingn a 'beater', older car that you can carry liabililty only coverage on and rate him on that vehicle, exclude him from the more expensive one? Until he can get his driving record back in good/decent standing? Again, though he could NEVER drive the vehicle he is excluded from.
It would be darned hard to assess the blame on the parked car. If one vehicle is in motion and the other is not, 99.99% of the time, the moving vehicle is at fault.
Insured natural Acts?Fortunately, no one is held liable for acts of nature. If a tree fell on your house whether from your yard or some other yard due to a natural occurrence you should be covered under you own homeowners policy for the damage. Likewise if your tree fell onto your neighbors house, the damage would be covered by his or her Homeowners insurance.
I saw on one of the court shows where that exact thing happened. A tree fell into a neighbor's yard and damaged their fence. The neighbor tried to sue the guy who's tree had fallen. However, the judge said that it was not the guy's fault that mother nature caused the tree to fall. However, if the neighbor had given multiple written notices in advance asking the neighbor to please have the tree chopped down, the she would have had evidence that there was an on-going problem and the guy would have been responsible for damages to her fence.
The analysis is somewhat more complex, and involves the issue of negligence. Stated otherwise, if the was known, or should have been known, to be rotten or otherwise subject to collapse, its owner was responsible for attending to it. If it does cause damage due to its weakened condition, the owner's liability insurance should answer for the neighbor's damage. The failure to have attended to the tree when the owner know that it was likely to cause damage is the essence of negligence.
If, for some reason, the damaged party's insurer pays for the repair, it can subrogate against the tree owner (and his/her insurer) and attempt to recover its payment. That process is called subrogation.
In most cases, 30 days, the vehicle will only be covered to the limits of liability that you currently carry on your own policy for the 1st vehicle. For example, if you dont have comprehensive or collision on your current auto, then a new purchase will not have it covered either. Hope that helps.
Liability insurance does not cover the property value of the rented equipment, but your liability insurance may cover damages resulting from claims of the use of the equipment.
Example, you rent a forklift and accidently crash it into a truck you are loading. The truck owner sues you. The liability policy would probably cover the damage to the truck or any injuries caused during the accident, but would for sure not cover the damage to the forklift.
Here are several opinions from FAQ Farmers: * Commercial General Liability insurance cannot cover equipment rental in the case where the insured has rented equipment. The 'exclusion j' under the coverage A states that "property owned, rented or occupied by the insured" is an exclusion under "Bodily injury and Property Damage Liability Coverage". Also, exclusion j also specifies that "property loaned to the named insured" is also excluded. * You are wrong...gl does cover the use of such equipment but does not cover if stolen, etc.