You’ve just pulled into your driveway after a long day at work. You get out of your car and notice a large tree lying across the road, blocking your way. You’re stranded! What do you do?
In this scenario, most people would call their insurance company and ask if they are covered for a tree falling on their car. Insurance companies have developed policies specifically for events like this. However, what if you didn’t have insurance? Would the tree fall on your car and cause you any damage, regardless?
The answer to this question is complicated. In general, trees fall because of the wind. If the wind is strong enough, the tree can topple over even if it isn’t attached to anything else. Therefore, in general, trees falling on cars aren’t covered by insurance. However, there are exceptions to this rule – for example, if the tree falls on your car and causes damage that wasn’t foreseeable when you bought your policy, then your insurance company might cover that damage.
So, in general, if you don’t have insurance and a tree falls on your car – chances are it won’t be covered.
What Is Covered by Insurance
If a tree falls on your car, the insurance company that you have will likely cover the damages. There are a few things to keep in mind when it comes to tree coverage, though.
First, your policy may only cover damage that is due to natural causes. This means that if a tree falls on your car because of a storm, the insurance company may not be able to help you out.
Second, your policy may only cover you for injuries that you sustain as a result of the fall. This means that if you’re hit by the falling tree, the insurance company won’t cover your injuries.
Finally, make sure to read your policy carefully to see what is and isn’t covered. Some companies do have additional exclusions or limitations that you should be aware of.
What Isn’t Covered
Theft, vandalism and other criminal activity that may occur while your car is in the shop are not typically covered by car insurance. If your car is damaged as a result of an uninsured act, you may be able to file a claim with your insurance company.
The Different Types of Claims
When it comes to car insurance, tree falls are definitely a claim that insurers are more likely to cover. In fact, this is one of the most common types of car insurance claims. There are a few reasons for this:
First, tree falls can cause serious damage to your car. If the fall is big enough, it could even cause your car to rollover. This can lead to serious injuries if you’re in the car at the time.
Second, tree falls can lead to property damage as well. If your car is parked in a spot that’s close to a tree, for example, and the tree falls on your car, you could end up with significant damage to your vehicle. In some cases, this could mean that you have to replace the entire car.
So if you’re unlucky enough to have your car damaged by a tree fall, make sure that you bring in documentation of the accident as soon as possible. This will help ensure that your insurer covers the cost of repairs.
How to Handle a Claim
If you are unlucky enough to have a tree fall on your car, you may be wondering if your insurance company will cover the damages. The good news is that most companies will cover any damage caused by a falling tree, as long as you have comprehensive coverage. However, there are a few things you should know before filing a claim.
Conclusion
If you are unfortunate enough to have a tree fall on your car, it is important to know whether or not your insurance will cover the damages. In most cases, yes, insurance companies will usually cover any damage caused by a fallen tree. However, there are certain exclusions that may apply, so be sure to ask your agent before making a claim.