Hi, my name is XXXXX XXXXX I thank you for your inquiry. I have been practicing law for 19+ years and look forward to assisting you. With regard to your post:
2 vehicle car collision caused telephone pole to break- wires come down and burn down small repair shop and some damage to neighboring house, in which the owner of shop lived. Shop is 100% UNINISURED. So he will want to make a claim against the car drivers. Both. The jury will decide which one was responsible and / or if one is 10% responsible, the other 90%.
House was. At least, thank goodness.
House uninhabitable- smoke damage. Vehicle responsible for collision had 25,000 liability. Pretty low, that is a shame.
Under homeowners insurance "loss of use" which has $28,000 coverage, what can be used, bought and be covered? That will depend on your policy. Read all the definitions of what exactly you purchased. You then submit what you understand to be covered by what you bought - and the company will tell you if it agrees with your claim or not. You can also speak to the adjuster and discuss the items you are concerned about. But here is generally how it works and what is covered under "loss of use".
You will want to look to see about things OTHER THAN loss of use, such as contents - did he get coverage for such damages?
Also can electrical provider be held liable for lines comming down? Generally, only if you can find some action or omission where the electical provider was negligent and that negligence caused the damages. We know that it is likely that at least one car driver was negligent - it would be more remote that the electical provider had anything negligent to do with it, but it is possible I suppose. For instance, let's say it had negligently allowed some too-low-hanging wires to remain as such - which caused them to go lower when the pole was hit, causing the electrocution to occur that would not have occurred, even with the collision, had the wires been properly fixed/re-situated.
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