superstorm sandy dropped a neighbors tree onto our sons car, which was parked in our driveway, and crushed the rood and the hood which totalled the car. unfortunately only auto insurance would cover those sort of damages, and since the car was only worth about 1000.00 insurance for that amount would not have been practical so needless to say the entire car was a loss. even though the neighbors tree caused all the damage he was not liable for anything, including removal of any part of the tree that was not on his property. a good neighbor would at least offer something as compensation; but that did not happen.
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