Legal Question in Insurance Law in North Carolina

Re: Car damage on private property

Your employer is liable for your damages only if he was "negligent." In this context, this typically means that the property owner (or other person in control of the property) knew or should have known that the branch might fall. The landowner is often liable if, for example, he knew that the tree was dead. Absent such notice to the owner, however, he is not liable for the damage caused by the falling limb. As a practical matter, it can often be difficult to prove that the landowner knew or should have known that the limb was likely to fall. You may of course want to consult with an attorney and provide him or her with more facts.