What Kind of Insurance Covers Cars Crushed by Trees?

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If your car is crushed by a tree, it is possible to file a claim against an insurance policy to cover the damage. The type of claim you can file depends on how the damage occurred.

Collision Insurance

If you hit a tree that has fallen in the road and your car is damaged as a result, your collision insurance policy will cover the damage.

Comprehensive Insurance

If your car is parked and a tree falls on the car and crushes it, your comprehensive auto insurance policy will cover the damage.

Your Homeowners Insurance

If one of the trees in your yard falls on your car and damages it, your homeowners insurance will probably not pay for the damages. Automobiles are exclusions in most homeowners insurance policies.

Another Person's Homeowners Insurance

If a tree in your neighbor's yard falls and crushes your car, the neighbor's homeowners insurance policy is not likely to pay for the damage, because automobiles are exclusions in most homeowners policies.

Business Liability Insurance

If a tree crushes your parked car on the property of a business, the business's liability coverage may or may not cover the damage, depending upon what is covered in the business's liability policy.

Source:

Understanding Your Auto Insurance Policy

Homeowners Insurance FAQs

Understanding General Liability Insurance

Resource:

National Association of Insurance Commissioners

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Consumer and Family Economics

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What Kind of Insurance Covers Cars Crushed by Trees?

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