what should my mom do?

Question

my mom works at a hospital and one day it was storming real bad and tree fell on her car in the parking lot while she was at work it caused over $4000 dollars worth of damage to it and the hospital wont pay for it to be fixed

her insurance policy covers it but it will only pay for the damages the car was totaled so it would just be a hastle to get it fixed

also the hospital is saying it was the work of god but they use god only when they need him like in my moms case

Answer 1

It's not the hospital's fault that the tree fell. Try and find a loop hole in her insurance coverage to get the insurance company to cover it instead.

Answer 2

Contact your insurance company. This is a typical weather claim. If she knows what her Comprehensive deductible is on the auto insurance policy, that's all she will have to pay to get the car repaired. Unless it's determined the car is worth less than the cost to fix it. In that case it'll usually be considered a total loss and she'll probably get whatever the value is minus the deductible to purchase a replacement. Hope this helps.

Best regards!

Oh, forget about suing the hospital and the place you work for unless you can prove negligence.

They can't control the weather anymore than we can. They would have to have known the tree was in bad enough shape, the threat of it falling existed under reasonable conditions, and they chose not to do anything about it.

Even then she'll have to explain why she parked under a tree in such obviously bad shape w/ the threat of a pending storm. Best case, it'll end up being a shared liability w/ your mom having the majority of the burden b/c she had the last chance to avoid the problem. Even that's a long shot and she'll have severly damaged her relationship w/ her employer.

Answer 3

This is something normally covered by Comprehensive on your insurance policy. If you don't have comprehensive, you could possibly sue the Hospital's for damages, but likely the Hospital would say the tree is not theres but property of the City.

You could probably get an attorney's advice for 300-500 dollars, just enough to see if she has a case.

Answer 4

Definately get some legal advice. If the hospital employs a contractor to care for the gardens, perhaps you can take the issue up with them. Insurance should cover it. If not yours, then the hospital.

Answer 5

Does her car insurance cover the damages?

If not, should could file a lawsuit against the company, but then they could give her a hard time on the job.

Answer 6

ummm nothing they can do about it. Talk to het insurance see if that is covered. Employers have no dealings of anything that happens in the parking lot. so if you get in a fender bender in the parking lot all you can do is deal with the person you hit or hit you you can't sue the employer since you parked your car where you did, they did not tell you where to park.

Answer 7

the hospital didn't park her car for her.
talk to the ins. adjuster and take the best offer for a totaled car and buy another one. don't fall in love with any thing that can't love you back.

Answer 8

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Answer 9

Aren't weather related damages classified as "Acts of God"? Most policies don't have standard provisions for that.

Answer 10

Sounds like calling a lawyer for consultation would be a good idea. God Bless you.