this is very useful

Pharmacy Guide

I'm sure the NYC taxpayers will wind up covering her costs. Wonderful.

Why would you assume that? Did you read anything at all suggesting she would attempt to sue the city? If you read the article it sure seems that she is resigned to what happened to the car. Or do you just need to 'tsk tsk' and grumble on gothamist?

Uh-oh!!! Better get MAACO!!

They would definitely call this one an act of god...

It's amazing how much insurance companies deny coverage when something occurs, but has no problem coming down on you if you are two days late paying their premiums.

What was the name of her insurance company?

Being two days late paying your premium will, by law, have no effect on your coverage. Nice attempt at sensationalization, though. You should probably write for Gothamist.

Can you read? Or just give BJ's to "business' suck!"

The Central Park Conservancy should totally buy this woman a new car. Maybe something green and eco-friendly? Not a Prius!

Bullshit! Cry me a river that softens the soil and causes a tree to fall. Take the bus or subway, oh wait, she will be.

Clearly it's time for Obama to overhaul the auto insurance industry as well...

It should read "Linda Choi, who was working a few blocks away, revealed that she had neglected to purchase coverage for this type of accident."

Hey if insurers can’t discriminate against pre-exsisting conditions, maybe there is still hope for this tragic soul.

Actually, the Falling Tree Industry needs overhauling. They should regulate when and where trees will fall, and try to limit the damage. Also, insurance should be made available to cover life and limb. Ha! Get it? Life and LIMB?! I kill me...

The Trees Union would never stand for that.

I imagine her insurance won't cover it because she didn't get insurance for damage to her own car. Am I missing something obvious here? I imagine any properly insured car would be covered by a crashing tree.

auto insurance probably only covers horizontal collisions, but not vertical ones. if the wind had blown the tree south on fifth ave into the car's radiator, the insurance might have covered it as it would have been "incoming traffic".

She must've waived coverage for this sort of thing. This falls under the category of "act of God." When a deer attacked my car years ago and did $2K of body damage, I had no problems getting the insurance company to step up.

There are three categories of auto insurance: liability, which is required by law; collision, which is optional and covers damage to your own car if you're in (obviously) a collision; and comprehensive, also optional, which covers other types of damage. Under comp, you normally have the choice to take or decline glass coverage as well.

Collision and comprehensive aren't required by law, but usually are required under the terms of loan or lease agreements. So If you're still paying for the car, you probably have to have "full coverage."

This would fall under comprehensive coverage. Since the driver implied that she's owned the car for several years, it's probably paid for so she didn't have comp coverage.

Wouldn't be surprised if there were a "tree clause" buried in the language.