My question involves insurance law for the state of: Florida
I was driving through the parking lot at my fiances apartment complex when a very large tree branch fell and totalled my car. The HOA hired this company to trim the trees however they didnt rope, cone or block their work area off. The HOA is denying any responsibility, and the tree company's Ins. is only willing to pay 50%. They claim I knew they were working (workers seemed to be on break at the time as they were napping in the grass. Area was open and not cone off so i didnt know.) Shouldnt they pay 100% of the replacement? This does seem right. What say you?

