A tree owner may be held liable for injuries caused by the defective
condition of a tree only if the tree owner has actual or
constructive knowledge of the tree’s defective condition. In other
words, if the tree owner had knowledge the tree was rotten, dead, or had any
other condition that created a risk that the tree could fall the tree owner could be held liable.
Bottom Line: each owner's auto policy would pay per policy limits. Have questions about your coverage?? Give me a call!!