A tree falling on and damaging your vehicle can raise a lot questions and cause a lot of stress. Here’s what you should do if it ever happens to you.
There are some things in life we hope never happen to us. But life is full of unexpected surprises, and for those surprises there is insurance. It’s there so you can be prepared for and bounce back from almost anything unfortunate that happens to you or your loved ones.
One of the things most of us hope never happens is a tree falling on our vehicle.
As simple and straightforward as that situation may seem, dealing with it can be surprisingly complicated. That’s why we decided to write this article. In it, you’ll learn:
There's a lot of confusion as to whether your homeowners or your car insurance plan covers you if a tree falls on or otherwise damages your vehicle. A big reason for that is if the car is parked at your home, standard homeowner's insurance usually covers damage done to it during a natural disaster.
That’s not true in this case. Unless, that is, the tree falls through your garage and damages your car inside it. Your homeowner's policy covers that. In pretty much every other situation involving a tree falling on and damaging your auto, though, your car insurance will come to the rescue.
Just remember that some insurance companies handle these situations differently than others. As a result, make sure you know the specifics of your policy and coverage before a tree damages your precious set of wheels. And if you have any questions while doing that—or if questions pop up as you prepare to file a claim—contact your agent.
Two questions we can answer right now:
Your insurance company is unlikely to cover repairs that cost more than your car is worth. So, if your car is completely totaled, your insurer probably will pay you its actual cash value rather than pay to repair it. Actual cash value is what your car is worth, usually with depreciation over time.
Also, your car insurance may not pay for the removal of a tree from your vehicle. So you would either have to carefully remove branches yourself, or call and pay someone else to remove it.
Not sure if your auto policy covers car damage caused by a tree? Check your policy or call your agent. While you’re at it, compare quotes from several car insurance companies. It could help you save a lot of money.
As you may already know, there are six basic elements of car insurance. They are:
Comprehensive coverage protects you from things like theft, fire, and natural disasters. This is the element of car insurance that kicks in if a tree damages your vehicle.
If you don’t have comprehensive car insurance, you’ll have to pay out of pocket to have your auto repaired or replaced should something like this happen.
If you have comprehensive coverage, it will protect you from a host of damages. Here are a few examples, according to the Insurance Information Institute:
Luckily, as long as you have comprehensive coverage, it should protect you whether the whole tree or just a single branch falls on your car and damages it.
The last thing most of us want to do is blame a neighbor for damage to our property. All it does is cause unneeded tension. Thankfully, you probably won’t need to point the finger in his or her direction in this kind of situation.
If you suspect the tree—or part of a tree—that fell on your car was from your neighbor's yard, file the claim through your auto insurance company. Your neighbor's insurers only likely to pay for your car repairs or replacement with hard evidence or proof they were negligent.
Speaking of which, if you have evidence or proof—like a letter to your neighbor asking them to cut down a tree due to rot or some other reason—you may have a case.
Of course, this works both ways. If a tree from your yard crashes on your neighbor’s property, home, or car, you or your insurance may have to pay for the damage if it’s proved you ignored certain warning signs.
As soon as you notice the damage to your vehicle, contact your agent or someone from your auto insurance company. They can help you navigate this extremely stressful situation.
During that conversation, provide as much information as possible about what happened.
Once you’re done talking with your insurer, do the following:
There are even steps you can take before a tree falls on your vehicle. For instance, before hurricane season or even winter comes around, trim trees and other landscaping around your home that could pose a threat to your or someone else’s car.
A: Most people think they should contact their homeowners insurance company in this scenario. However, unless the car was inside a structure of the home, like the garage, you should contact your auto insurer after a tree damages your vehicle.
A: If you want to be covered when and if a tree falls on your car, you need comprehensive coverage. It covers things like theft, fire, and natural disasters.
A: Janet Scott-Buckley, an insurance agent at Harrington Insurance Agency in North Andover, Massachusetts, told the Pittsburgh Post-Gazette, "It's most often your problem, not your neighbor's. You have to file a claim with your insurance company, and the usual deductible applies."
A: The severity of the damage doesn’t matter. As long as it fits into the category of “damage,” your comprehensive coverage should pay to fix it. Something to note, however, is that most auto insurance companies will not pay for repairs that cost more than what the car is worth. Instead, if you car is completely totaled, your insurer will give you the actual cash value of the vehicle so you can replace it.
A: If you or someone else drives your car into a tree or tree limb, your collision coverage—if you have it—would take care of the damage.
A: The first and probably most important thing you can do after realizing that your vehicle has been damaged is call your car insurance company. They will help you figure out what to do next and what other steps need to be taken.
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