To not use insurance and take financial hit?

[Lissa5]

So a tree hit my car at work recently. A couple
of hours after storm warning. Workplace opened as warning had passed. Damage is 2,000 pounds. Work in small company. Boss told me he will use company insurance and they will cover it. Since found out they won’t. I have to use mine, and was told apparently they then look to company’s insurance, from mine. But it means claiming against my workplace and proving liability. I don’t have the stomach for anything like that, and would feel awful affecting my company with a claim. Also, I’ve never had a mark on my insurance. Even though tree falling clearly not my fault, I don’t want it I have any claims on it, where it can be avoided. Also, they’re probably not liable for fallen tree hours after a storm. AIBU to just leave it all at this stage, and not go through insurance? Help!!

£12,000? Are you joking? Of course it should go through insurance. No increase in your insurance is ever going to add up to £12,000.

Don't be ridiculous. Let your insurance sort it.

sorry guys! Typo 🙈 damage is 2,000 pounds. Not 12,000! I edited original post to reflect that.

Tell your insurance company and let them sort it out. You'd have to inform them regardless

This is exactly what insurance is for, you would be unreasonable not to claim on your insurance. This is also why your employer has insurance, so I wouldn't worry about any damages, the insurance companies will take care of it and you don't need to have the stomach for anything. Do you have photos of the tree?

Unless of course you're swimming in money and won't notice 12k, then just crack on however you prefer

I think it’s unlikely there’s any liability for the company, unless they were negligent in some way, which it doesn’t sound like they were.

Our tree fell on our neighbours’ property and I thought it would be covered by my insurance but it wasn’t. It’s storm damage for which we are not liable.

Your insurers will know that and won’t pursue a claim against your employers unless you make a case for them being negligent (e.g. a tree surgeon told them they needed to cut the tree down because it was at risk of falling, but they ignored it).

So you can go ahead and claim on your policy without worrying about your employers.