Murphy's law - I was thinking the same thing today!
The guys are friends of mine and they were there helping me clear the lot so we could start excavation next week on a new house. That is the part that makes it even more difficult - when it's your friends. The guy who used the saw to cut the tree has liability insurance but I'm not sure what is or is not covered since he was not technically "working". I'm not sure if homeowner's covers this? - I've only seen this happen on youtube videos
If insurance covers it, I'm sure it won't be enough to replace the truck
-Greg