Imagine parking your car under a beautiful tree and coming back to find it damaged by a falling branch or, even worse, the entire tree. Will your insurance cover the damages? This is a common question among car owners, and the answer depends on several factors. In this article, we will explore whether a tree falling on a car is covered by insurance.
Comprehensive Coverage
The first thing to consider is the type of coverage you have. If you have comprehensive coverage, then you are likely covered for damages caused by a falling tree. Comprehensive coverage is designed to protect you from non-collision events such as theft, fire, vandalism, and natural disasters. A falling tree is considered a natural disaster, and therefore, covered under comprehensive coverage.
Deductible
However, before your insurance company pays for the damages, you will need to pay your deductible. Your deductible is the amount you agree to pay out of pocket before your insurance kicks in. The amount of your deductible can vary depending on your policy, but it is usually between $250 and $1,000.
Liability Coverage
If you only have liability coverage, then you are not covered for damages caused by a falling tree. Liability coverage only covers damages to another person’s property if you are at fault in an accident. It does not cover damages to your own vehicle.
Exceptions
There are some exceptions to the rule. If the tree was dead or dying, and the owner of the tree did not take reasonable care to remove it, then the owner may be liable for the damages. In this case, you may be able to file a claim against the owner’s insurance company or file a lawsuit against the owner.
Insurance Claim Process
If you have comprehensive coverage and your car is damaged by a falling tree, then you will need to file a claim with your insurance company. The process typically involves the following steps:
- Contact your insurance company as soon as possible to report the claim.
- Provide the details of the incident, including the location, date, and time.
- Take photos of the damages and any other relevant information.
- Get an estimate for the repairs from a reputable mechanic or body shop.
- Submit the estimate to your insurance company.
- Pay your deductible.
- Your insurance company will pay for the damages above your deductible.
Conclusion
In conclusion, whether a tree falling on a car is covered by insurance depends on the type of coverage you have. If you have comprehensive coverage, then you are likely covered for damages caused by a falling tree. However, you will need to pay your deductible before your insurance kicks in. If you only have liability coverage, then you are not covered for damages to your own vehicle. Remember to take photos and report the incident to your insurance company as soon as possible. Stay safe and be mindful of where you park your car!
