A Tree Fell On My Car – Now What?

Most people who purchase full coverage auto insurance in San Diego do so to protect themselves if they are involved in an accident. While this is a common reason to build a full coverage plan, auto policies cover much more than just damage that is sustained in an accident. Most people do not even contemplate losing their vehicle to a fallen tree, but if this does happen, is it covered? The answer depends on the coverage that you carry on the vehicle. Read on, and find out for yourself if you are protected against falling foliage.

Do You Carry Comprehensive Coverage?

Immediately after you get past the shock of looking at your beautiful automobile that has been crushed beneath a large tree, you need to review your San Diego insurance policy to see if you have comprehensive coverage. Comprehensive is a form of physical damage coverage that will pay for damages caused by fire, theft, explosion and falling objects. If you carry this coverage, your policy will pay for the fair market value of your vehicle to repair or replace it. You will only be responsible for the deductible.

Who is Liable for the Damage?

If you do not have comprehensive coverage, you need to find out who is liable for the fallen tree. If the tree is on your property and you maintain it, your homeowners insurance is not likely to cover the damage to your own personal automobile. If the tree was owned by your neighbor, their policy may cover the damage because it is to third-party property. Negligence must be proven to receive payment from the other party’s insurer.

Now that you have reviewed your coverage, it is time to contact your insurance carrier directly to start the claims process. They may come to the home to take pictures as part of the investigation process. Once this process is done, you will need to have your vehicle transported to a repair facility where the cost of repair will be calculated.

Get a Free Quote Today

Be sure that you are covered for types of accidental damage and review your insurance today. And if you’re looking for new auto insurance to protect yourself against this type of damage, reach out to American TriStar in San Diego. Offering cheap car insurance in San Diego, we can find you the right auto insurance policy that will provide the right amount of coverage for your needs. Call 619-272-2100 for a free and instant quote.