Quoted from Monk:I don't know anything about the legal system or insurance, but am kind of curious. If the fire started in the apartment below them wouldn't that renter have to cover the cost of the other apartments? I'm only basing this off of car insurance as the person that causes the car accident has to pay for the other persons damage. Regardless, a small donation sent there way. Such a terrible thing to go through and hope they get back on their feet quickly.
Auto insurance is different based on the state you reside in. Have fun with "No-Fault" auto insurance....