Who is to blame for car damage?

[vossy]

Last week my sisters car was damaged by a sign that blew off the side of the building where she works, the estimate for repairs is £900.

Her employers do not own the building they only rent it. (Do they have a duty of care towards employees?)

Should she be claiming from her employers or the owner of the building for the cost of the repair?

Her insurance company are not keen on chasing anyone for the claim but have said just pay the insurance excess and they will repair the car. She has said that because it was not her fault she should not have to shoulder the cost of excess to get the damage repaired.

Any sensible advice please?

[Never-In-Doubt]

Re: Who is to blame for car damage?

Liability insurance from the tenant or buildings cover from the owner would cover it.

If it was at work then her employer could contact the building owner who MUST have buildings cover if they rent it as a business. The insurer knows all this; your wife would just claim direct from get insurer surely?

** please give an example of any advice on AAD that's not been sensible? Not sure I like that last sentence mate!!

[vossy]

Re: Who is to blame for car damage?

Thanks niddy, I was just trying to avoid any jokey replies.

Sisters car - not wife.

[IF]

Re: Who is to blame for car damage?

I've moved your thread to the insurance board vossy, so it doesn't get lost and overlooked