When a tree falls on a car, it can be confusing to determine which insurance coverage applies. Many might assume their home insurance would cover the damage, but that’s usually not the case. Here’s what you need to know if you ever find yourself in this situation.
1. Who Covers the Damage?
Contrary to common belief, home insurance does not cover damage to your car caused by falling trees. This applies regardless of whether it’s your tree, a neighbor’s tree, or a tree from public property. The relevant coverage in this instance would typically come from your auto insurance, specifically if you have comprehensive coverage.
Comprehensive auto insurance covers damages to your car that aren’t caused by a collision. This includes scenarios such as natural disasters (acts of God), theft, vandalism, and falling objects like trees.
2. What if It’s My Neighbor’s Tree?
A common misconception is that if a neighbor’s tree falls on your car, their home insurance should pay for your damages. However, this is generally not the case unless you can prove negligence on the part of your neighbor, such as if you had previously informed them in writing that the tree was diseased or dying and they failed to act.
3. Documentation and Prevention
- Document the Incident: Take photos of the damage and the scene. This can be crucial for your insurance claim.
- Keep Records: If you have concerns about a neighbor’s tree, document your communication regarding the tree. Written notices are advisable.
- Review Your Policy: Understand what your car insurance covers and consider comprehensive insurance if you don’t already have it.
4. Filing a Claim
- Contact Your Insurer: Notify your insurance provider immediately after the incident to start the claims process.
- Provide Necessary Documentation: Share any photos or correspondence related to the incident.
- Follow Up: Keep track of your claim status and ensure all necessary documentation is submitted promptly.
For detailed information on how auto insurance handles falling trees, refer to Progressive’s guidelines on the subject.
Conclusion
Understanding the specifics of your insurance policies can alleviate the stress of unexpected incidents like a tree falling on your car. Comprehensive auto insurance is key in such scenarios, providing coverage where home insurance does not.
For more tips on insurance coverage and how to protect your assets, visit Nebraska’s Insurance.
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