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NEWS you can use

Tree damage — who pays for what?

3/8/2018

22 Comments

 
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Q: Let's say a neighbor's tree falls during a storm and crashes into your home. Who pays for the damage? This isn't meant to be a 'trick' question, but it may seem like one.

A: Even though it's your neighbor's tree, it's your responsibility. If the tree was in good health and it came down due to an act of God, nobody can be held responsible for that.
All policies differ, but in general the guidelines are as follows...
  • The property owner whose house is hit by a tree is covered under their homeowner's policy.
  • The property owner whose vehicle is hit by a tree is covered under their auto policy — but only if they have "comprehensive" coverage on the vehicle.
  • If the tree that falls is rotted or diseased and should have been pruned or cut down, then a question of negligence can be raised. The property owner may seek to hold the tree owner liable for damages.
  • Tree removal is only covered if a structure or vehicle is hit by the falling tree. NOTE: Pools are not covered. So, if a tree falls only on your lawn or garden — with no damage to your home or vehicle —the cost of tree removal, damage to lawns, gardens or damage to pools are generally not covered. Check your policy for specifics.
  • If a tree on your property falls into your neighbor's yard without damage to their home or vehicle, tree removal is not covered by either party's insurance. You and your neighbor must discuss who pays for cleanup.

Got a question about tree damage liability?
Contact Connecticut Insurance Exchange at 860 666-5443 or info@cieltd.us
We will be happy to review your policy and exposures to make sure you are properly covered.
22 Comments

Distracted Driving: Facts. Figures. Focus.

3/6/2018

7 Comments

 
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Distracted driving is anything that takes a driver's attention away from driving. Distractions include activities such as talking on a phone or texting, eating, drinking, talking to people in your vehicle, and operating  the vehicle's entertainment or navigation system.

Facts:
  • Taking your eyes off the road for 5 seconds at 55 mph, is the equivalent to driving the length of an entire football field with your eyes closed. Reading a text message while driving distracts a driver for a minimum of five seconds each time. (1)
  • Every day, 11 teenagers die because they were texting while driving. (1)

Figures (2):
  • Every year, about 421,000 people are injured in crashes that have involved a distracted driver.
  • Each year, over 330,000 accidents caused by texting while driving lead to severe injuries. This means that over 78% of all distracted drivers are distracted because they have been texting while driving.
  • 1 out of 4 car accidents in the US are caused by texting while driving.
  • Texting and driving is 6 times more likely to get you in an accident than drunk driving.
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Infographic courtesy of Tipmont REMC (4)
Distracted driving accidents are increasing auto insurance rates for everyone.
Insurance companies are very much aware of the distracted driving  problem, as it has caused a spike in accidents in recent years.

More accidents equate to higher costs for insurance companies, and insurers pass along these costs to you, the customer. The Boston Globe reports that insurers plan on increasing auto premiums 3% to 6% on Massachusetts drivers, on top of increases of 6% to 9% in 2016.(3)

The answer? Stay focused.
You cannot drive safely unless you are driving with your full attention. Any non-driving activity is a potential distraction, which increases the risk of having or causing an accident.

So pay attention to the road. Fewer crashes equal less costs to insurers, which could translate into lower rates for drivers.
1. Source: https://www.nhtsa.gov/risky-driving/distracted-driving
2. Source: http://distracteddriveraccidents.com/25-shocking-distracted-driving-statistics
3. Source: http://time.com/money/4706657/auto-insurance-rates-distracted-driving-smartphones/
4. Source: https://www.tipmont.org/safety/safety-blog/item/5-distracted-driving-stats-you-should-know
7 Comments
    News you can use from Connecticut Insurance Exchange covering topics ranging from your home, auto, business, liability and more.

    Author

    Melanie Thomson-Tregoning is a Licensed Insurance Agent and VP of Marketing for Connecticut Insurance Exchange, Ltd.

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