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Fred,
I was on the opposite side of this several years ago. Lightning hit a tree on my property and brought a large branch down on my neighbors driveway. Tree was healthy prior to, and I keep them pruned. Luckily there was no damage done, but I asked my carrier would I have been covered had it damaged the neighbor's car--and was told that my homeowner's policy did NOT cover it as it was deemed an act of God, and it would be the neighbor's insurance to cover the damage, which I think is BS. So, since you didn't have the truck insured yet, you may be out of luck.
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Eric
83 911SC/83 944
bunch of Honda 750s
69 Chevrolet C-20 Longhorn (family heirloom)
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