Insurance Claims When a Tree Falls on Your Car

If a tree falls in the forest and no one hears it, they might actually care. If their car is parked there and is damaged by the tree, it can be quite expensive. The damage that a tree can do to a vehicle is immense, and it is no laughing matter. Not being able to get from point A to point B can provide a lot of frustration too, but even more stressful is the cost of replacing or repairing your vehicle if a situation like this happens. After making sure everyone is okay, the first thing a person will want to know is whether or not their car insurance policy will cover the damages. Get the answers hear.

Types Of Fallen Tree Damage

There are many different ways a fallen tree can damage a vehicle. One of the more common types of tree damage is when a person is parked underneath the tree, and the tree falls on their vehicle. If a person leaves their truck parked outside, and underneath the tree, there may be storm damage from a large branch or an entire tree falling on their vehicle. If a tree has fallen on your car, it is a serious situation.

Another way a fallen tree can damage your vehicle is if you crash into it. This will be covered by a different type of insurance plan than a tree that has fallen on your car. Learn which types of auto insurance plans cover which types of damages and how to handle your insurance company if a tree falls on your vehicle or you run into a tree that has fallen on the road.

Hitting Fallen Tree On the Road

If a tree has fallen on the road and you hit it, you will need to have collision insurance coverage to be able to file a claim. The deductible you have selected will need to be paid before the insurance provider pays out on your policy. Some companies do offer a vanishing deductible option, in which case you might not need to pay for your deductible. Any car crash involving a tree on the road is considered a collision and can be covered by a collision coverage plan.

What If A Tree Falls On My Car?

This will be covered by a person’s comprehensive insurance coverage plan. Keep in mind that neither liability insurance nor underinsured insurance coverage will cover damage due to this. If you do not have a comprehensive insurance plan, you may find yourself paying for the complete costs of the damage out-of-pocket.

How Do I Handle Tree Damage With My Insurer?

If your vehicle is damaged and a tree is involved, check to make sure you have the proper types of car insurance to file a claim. In addition, make sure to take many photos and document everything you can. Document the damage to the vehicles, take pictures of the tree, including pictures of the car as you found it. Do this before the vehicle is towed or moved if possible. Contact your insurance company to file a claim, and keep in mind that using the insurance companies recommended body shop can speed up the return of your vehicle. That said, make sure to research the company they recommend and get quotes for repairs from multiple companies. If the recommended body shop is providing a quote that is significantly less than the others, look into why.

Trees can cause a lot of damage to a person’s vehicle. Having a good insurance policy provides many benefits when it comes to financial protection, but you may need to have a collision insurance policy or a comprehensive insurance plan in order for damage related to trees to be covered. Find the best prices available for these types of policies here and get free quotes from multiple companies to save.