Today I collided with neighbours tree and and tree broke. It is a fairly big palm tree and its trunk broke in half. The damage to my car is minimal but it seems like that my neighbours will require me to pay for the tree. I don't know how much they will charge us.. but I have a very bad feeling (10k +)
So I was wondering if my comprehensive car insurance will be able to cover for the tree as well my car.
Please let me know if you guys experienced similar cases.
yeh they said they will follow up and let me know.
i was reversing out of the driveway with steep hill in the wet weather and bumped into it.
Ask your insurer.
If this is covered, pay the excess.
If not, pay for the tree.
Simples.
What kind of palm tree is it?
Having had many palm trees I can’t seee how you’d snap one in half just Bumping into it.
Unless it’s very small and young. Which in that case wouldn’t cost much to replace just pay labour to dig out and replace etc
i was reversing out of the driveway with steep hill in the wet weather and bumped into it.
Are you me? I have literally done this exact same thing. Granted I was 18 and an idiot.
Granted I was 18 and an idiot.
anything change since?
Someone planted one of those fast growing ones while he was parked there!
Magic palm tree
Reminds me of this time when I was sitting in my car parked outside a residential address when the guy across the road backs out of his drive way and straight into the side of my car.
It was wet and I could tell he was coming too fast. Was almost like watching in slow motion. Of course my car’s horn doesn’t work unless the ignition is on, so I was frantically pressing a button that could have saved a crash but nothing came out.
Luckily I was in the car, I have a feeling that guy would have pulled a runner if I wasn’t and there were no cameras around.
I pressed the horn when someone was reversing into me. It was loud. The driver was deaf and collided anyway. :\
I didn't think that deaf people were allowed to drive. I was wrong.
Googling 'deaf people driving': "A misconception among the public is that you can't drive if you can't hear. But it's been shown that being deaf has no negative impacts on your ability to drive."
Ohhh Google.. lies to make a minority group of people feel more included, in increasing the road death toll.. woohoo!
"But it's been shown that being deaf has no negative impacts on your ability to drive."
I'd dearly like to see that research, because if that's true, you wouldn't need horns in cars or sirens on emergency vehicles.
Read your PDS or contact your insurer
No. Read your PDS, then contact your insurer. Don't risk making admissions that will trip up your claim.
OP can ask his insurer without making any admissions - just ask: "Oh hey by the way, does my insurance cover if I crash into third party property that's not cars?"
If you have even third-party property it really should, that's kind of the point.
Yeah, I’m sure they get “oh by the way” questions all the time and don’t think anything of it…..
It will be covered by your car insurance.
I’d be more concerned about why you didn’t see a palm tree ??
Also can you provide a picture I’m failing to see how you would manage this?
stupid mistake by me.. my car slipped in the wet weather.
How close iswas the tree to your driveway?
we share the driveway…
Scrooge- your "advice" is hopeless as usual
I twigged that was the root of the problem.
Well the answer was in his palm
stupid mistake by me
That sounds reasonable, we all make mistakes.
my car slipped in the wet weather.
This doesn't sound right, as it has nothing to do with the car. Cars don't just go around slipping for whatever reason. You were not in full control of your vehicle (not paying attention, responding to that important text on your mobile phone, fiddling with the stereo, etc), and/or you were not driving to the slippery/wet conditions.
stupid mistake by me.. my car slipped in the wet weather.
I think your palms slipped on the streeing wheel.
Stop being judgemental. We don't know if it was OP's fault or the trees fault.
Stupid tree is in the way.
I dont think the tree was on the driveway…
whooooooo-oooooo-ooooosh
The tree was stationary at the time.OP is at 100% fault
Nothing goes over my head. My reflexes are too fast.
i collided with neighbors tree
How did you manage that? Did you drive inside their boundary?
3rd party and comprehensive does cover non-vehicle damage from the accident.
Read your PDS. Should be stated somewhere.
yeh thanks i found it upto $20m
Let's hope it costs less than that.
i wonder if that cover limit has ever been reached
@TarquinOliverNimrod: It was unlimited, till someone went off the road, landed on the railway and derailed the train.
It usually doesn't cover damage if its your own property. So make sure the tree is really the neighbour's and not a shared property like the driveway
I always tell my trees to look left right then left again and watch out for reversing cars.
I suggest your neighbour does the same thing.
it's going to be expensive.
probably about tree-fiddy.
Loch Ness Monster Insurance Co.
Poor tree. I bet it didn't have insurance
Next post to forum:
"I'm uninsured, neighbour hit me and caused serious damage. What should I do? Yours, Tree."
I didn't realise trees could log on.
I Am Groot.
I'm as stumped as you.
They wood if they could.
Leaf him alone.
Leave wood have worked better.
it seems like the driveway branches into two
They're barking mad if they think they can stick this on you…
You'll remember that tree frondly!
Can I have sign a life insurance for my trees, and then accidentally reverse into them ?
Your apartments are only new. How tall was the palm?
Your insurance will cover this, but you might take a hit on the No claim bonus/imposed excess, increased premiums.
A brand new palm tree is about $17. https://www.willisorchards.com/category/palm-trees
If you think about this rationally, the palm tree has been used, and is probably weather damaged and the price will need to be depreciated over time.
Unfourtunalty the useable life of a palm tree is about 700 years, so the depreciation will only be about 5 cents.
http://www.slate.com/blogs/trending/2012/12/20/palm_trees_lo…
Leaf the scene immediately.
Log on and talk to your local branch, explaining the root cause. Axe all the questions you can-opy.
Foilage than a dollar a day, you can birch-ase full cover, which wood be treemendous, however acorn not say fir sure if it is an evergreen policy.
Anything more than that, is daylight shubbery.
Chop chop.
Please… Stop…
You're making me go barking mad!
I've been twiggered.
Foilage than a dollar a day
It doesn't take a nucular scientist to pronounce foilage.
Nor one to spell nuclear…
This was amazing. Works well in a Greek/Italian migrant accent.
I don’t see how it wouldn’t cover it - you damaged somebody else’s property. It doesn’t matter if it is a tree, fence or house.
Question is, how much is a tree worth?
Mature, large, slow-growth species can be thousands or more.
I've seen large Palm trees sold for $20k+
op, where is the tree located?
Did you apologize to the tree?
No, he just palmed it off.
But they still remain fronds.
If a tree gets hit by my neighbour in the woods do I or the neighbour have to pay for it?
If you get hit in the woods today you're in for a big surprise!
Pay for it to be removed or someone to lop it or DIY, and give them a bunnings gift card. Sounds like the tree was in a stupid place. No fkn way a common palm tree would be worth much. Fruit bats cause more damage from eating the fruit and shitting everywhere.
Never admit fault. Remember that. Then ask your neighbour to pay for the damage.
What is the height and approx diameter at 1.2m above ground.
Is the the root ball large?
This is a tough question, you have me stumped.
Ring your insurer.
Gee your neighbours should be grateful a palm tree is gone, those things are menaces. If you hit my palm tree I certainly wouldn't be charging you, I'd be delighted LOL!!
I blew my positive voting limit on all these puns
My last was on this comment, ironically
Keen to find out the outcome.
Another case of a tree jumping out in front of a car.
I blame Greenies for causing this.
If this tree were to break when hit by a car, I'd be considering an arborist report as to its health, and how well it would have stood up to the next winter storm….
My guess is it will be investigated by the Special Branch.
How far off the driveway is the tree?
trunk broke in half? that's not broken. that tree is dead :( poor tree
Is there going to be a funeral for it? Perhaps we should all go to help the other tree's through this tough time.
OP a picture of the palm would help, there is a decent chance if that if the trunk was easily snaped that it had a fungal/rot issue with the trunk and you only hastened it's demise. They are usually very strong so either you hit it really hard, it wasn't that big or there was an issue with the palm.
give the tree a hug
I got an unwanted Palm tree in my backyard, feel free to come to dig it up and replant to your site. it is around 10m height.
I’ve read a reddit post where some neighbour cut down trees on privately property and the settlement went in the millions…
dafuq? Sounds like they haven't had good rooting for a while.
Spoken to your neighbours?
Also, how the hell did you not see a big palm tree?!