re: #241 Cato the Elder

Bullshit.

An Act of God (big-ass wind) knocks over my tree on my neighbor’s garage, crushing it and the car inside.

All that means is that I can’t collect from my insurance to pay for my neighbor’s car. But my neighbor can collect from me, regardless of my insurance situation, because it was my tree that fell on his stuff, and who knocked it over is immaterial to his case for damages.

Actually, you CAN collect from your insurance. And your neighbor can collect from his insurance and neither of you have to pay a penalty.