[JAR0023]

Yep, at 50/50 you can be liable for 50% of your neighbor's damages. Has to do with PA negligence statutes. Quick search if it can be trusted shows PA as a 51% state. Anyone with 51% or more negligence can't recoup from the other party. Up to 50/50 can. At this point your Ins Co knows, so you might as well make them pay for your damages. Your rates are already dinged. They will of course seek reimbursement of 50% from your neighbors policy. Doubtful your neighbor knowingly had his Ins Co come after you. He probably had no idea and just filed a claim. Once done the other carrier will get your info from him and start subrogation. It's their money and they are entitled to get back half of it. -J