<prompt> Human: Hi all, So I have a two sided question, what do I do now?? I pay rent to this man and like where I live. The tree is on his private property and I was parked on the street...my car is totaled :Also, Ill need a new car. I want it to be under 15k and a note below 500 including insurance. I hear American cars are the best for this. All advice welcome! thanksAssistant: Notify your insurance company. They can decide if they go after the trees owner.Human: I only had liability insurance. So it only covers if I do damage to another persons car. When I called they said there was nothing they could do.  <response>: Probably youre hosed. I think you would need to prove that the landlord was negligent and chose not to trim a tree that he knew was diseaseddeaddangerous. Normal acts of God are not his fault. This is the risk you took getting liability-only insurance.Funny phrasing, by the way. I assume ht by tree means limb fell on car? want it to be under 15k and a note below 500 including insurance.So go on autotrader and buy one. Is there a question? 