[drcoastline]

I can't speak to Illinois directly so take this for what it is worth. I am licensed in NJ and PA. In NJ and PA, a comp claim isn't chargeable so no reason not to turn it in toy you carrier. As you know you have a $1,000.00 deductible so your carrier will pay anything over the $1K. If the motel is deemed responsible your carrier will recover your deductible for you.

Keep in mind a party need not be "negligent" to be responsible. That being said from the little information you shared I think the property owner may have "allowed a condition to exist" which could be negligence. How old is the building? I am sure this is not the first-time snow/ice has fallen off this roof and landed in this spot. Have they installed ice breakers/snow guards to break up the snow/ice? Why are cars being permitted to park in this spot when snow/ice is on the roof?

The last thing, why is your comp deductible $1,000.00? That is excessively high to me. You can't be saving that much in premium to justify a $1,000.00 deductible. Comp covers everything but you colliding with something, a telephone pole, house, car, etc. Comp covers a shopping cart rolling across a parking lot and hitting your car, a deer running out in front of you, a branch falling on the car, flooding, etc. Look into a $250.00 deductible see what the trade off in premium is.