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If a tree fell on a car, is it totaled?

Sep 17, If you have your state’s minimum coverage, you are probably out of luck. Liability insurance is not going to cover an “act of God” as it is known, or in this case, an act of tree.

The only way your car insurance is going to cover a tree which has fallen on your car is by purchasing comprehensive insurance coverage before the damage occurs. Estimated Reading Time: 4 mins.

Brock is a CFA and CPA with more than 20 years of experience in various areas including investing, insurance portfolio management, finance and accounting, personal investment and financial planning advice, and development of educational materials about life insurance and annuities.

Apr 02, In all other instances when a tree on your property hits your car, comprehensive insurance covers it. The tree is on a neighbor’s property. If a tree on a neighbor’s property falls and damages your car, they may be responsible. You will still file a claim with your auto insurance company.

It may be helpful to consider adding additional car insurance coverage to your policy to help you in case of a tree damage claim.

However, if it can be proven that the tree fell due to your neighbor’s negligence, their homeowners insurance.

Generally, you must contact your car insurance company, no matter how much you want your neighbor or landlord to be at fault. In this case, if a tree fell on a car, insurance companies will handle the claim and determine who is responsible/10(K). Apr 19, Falling objects (hey – like if a tree falls on your car!) So yes, if you have comprehensive coverage, that tree should be covered.

Comprehensive coverage Estimated Reading Time: 5 mins. If you're the owner of both the fallen tree and the vehicle, your homeowners insurance policy likely won't cover the damage to your car. If the tree that fell on your car belongs to a neighbor, in many cases, you would likely still rely on the comprehensive coverage in your auto insurance stumpgrind.buzzted Reading Time: 5 mins.