When Will Auto Insurance Pay For Tree Damage On Your Car?

One of the common question car owners ask is whether their auto insurance coverage will pay when a tree damages their car. Well, it all depends on the circumstances of the damage, specifically the answers to these questions:

Who Really Caused the Damage?

In some cases, tree damage may not really be a natural accident, but rather the results of another person's negligent acts. In such a case, you may be able to recover your damages from the liable party. For example, if a careless tree removal company was cutting the tree and it accidentally fell on your car, you may be able to recover your damages from the tree removal company. Another example is if a negligent neighbor had refused to remove their trees despite its obvious lean and your constant reminders. In such a case, the neighbor's home insurance company may pay for your damages if you sue the neighbor.

How Did the Damage Occur?

Another important factor is the exact manner in which the accident occurred; this will also determine where you get the money to fix up the car. There are actually two main ways in which a fallen tree can damage a car. First, you can crash into a fallen tree while driving, for example, if it surprises you in a bend or if it falls suddenly in front of you. In this case, your collision coverage should pay for the damages because collision coverage is meant for damages caused by colliding with or crashing into objects. The second way in which a tree can damage your car is if it accidentally crashes onto the car; this can even happen to a parked car. In this case, you will only be able to collect your damages if you have comprehensive coverage since it's meant for all damages other than collision damage.  

Is the Government Involved?

Lastly, you should find out if a government body is involved or is the party to blame because if it is, then your chances or recovery is slim. If the accident occurred while you were driving on a public road, then there are high chances that the liable party will be a government body because they are the ones who normally maintain public roads. It is just that most government bodies are immune from such lawsuits. However, don't assume that an immunity is in place because it depends on the laws of your state; its best to consult a lawyer instead of jumping to conclusions.