• Facebook
  • Pinterest
  • Twitter
  • Linkedin

Customer Login

InsuranceHub
Call Us Today(770) 497-1200
TRUSTED FOR30+ YEARS
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close
GET QUOTE

Am I covered if a tree falls on my car?

Home | Auto Insurance | Insurance | Am I covered if a tree falls on my car?

19 Apr
2019

Am I covered if a tree falls on my car?

by Katelyn Betts | in Auto Insurance, Insurance
Am I covered if a tree falls on my car?

So, you’re ready to leave for work in the morning, and you grab your keys and your phone and hustle out the door. You step onto the porch and immediately drop everything. Apparently, your car did something to antagonize the tree next to the driveway…because that tree has decided to fall over and squash your car like a bug. Clearly, you’re going to be late to work, but you’ve got bigger worries right now: does auto insurance cover you if a tree falls on your car? Let’s explain.

Does car insurance cover you if a tree falls?

Well, it depends on what kind of coverage you have for your car.

If you have liability insurance and nothing else, no, you probably would not be covered for that villainous tree. That’s because liability insurance doesn’t actually cover your car. It’s intended to protect the other drivers on the road if you hit them.

It helps to cover your legal responsibility to the other driver if you’re at fault in an accident – and it can help you cover your legal expenses if you get sued. It consists of different pieces:

Bodily injury: If you’re at fault in an accident, bodily injury liability helps cover the other driver’s medical bills and pain and suffering.

Property damage: Again, if you’re at fault in an accident, this will help cover the repairs or replacement of the other driver’s vehicle (or other property you damage with your car.)

Okay, all that is to say that liability insurance doesn’t cover you if a tree falls on your car. However, comprehensive coverage generally does. It’s one of the coverages that will actually protect your car. So – if you have comprehensive coverage, yes, you should be covered if a tree falls on your car.


Protect your car and save money. Get a quick auto insurance quote today.

 


What is comprehensive coverage?

Comprehensive coverage helps to cover damage to your car that’s caused by something other than an accident (collision insurance helps cover accidents – more on that in a second.) Anyways, comprehensive coverage generally covers:

  • Fire
  • Theft
  • Vandalism
  • Animal strikes
  • 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 comes in handy sometimes.

Pro tip: Be sure to read through your comprehensive coverage carefully so you know exactly what is and isn’t covered.

Okay, so that’s the scoop on comprehensive coverage. But it has a buddy called collision coverage that can also protect your car against certain losses. Let’s explore that, shall we?

What is collision coverage?

Collision coverage goes hand-in-hand with comprehensive coverage. It can help you repair or replace your car if you’re in an accident or otherwise, well, collide with something.

So, let’s say you’re cruising along on your way to work. You’re singing along to the radio, minding your own business, when all of a sudden there’s a goose in the middle of the road. You know you shouldn’t swerve, but instinct kicks in and you wrench the wheel. You skid off the road and hit a tree. You and the goose are both mercifully unharmed, but your car is pretty squished in the front. (And you’re betting the goose doesn’t have insurance or money, so you can’t sue him. Great.) You’re going to be late to work…although once again that’s the least of your worries at the present moment.

Collision coverage is the coverage that can help you with getting your car back on the road ASAP. It can help cover the costs of repairing or replacing your vehicle. In this case, you hit the tree – it didn’t fall on your car. That’s the difference between collision and comprehensive coverage. Collision – accidents and running into things. Comprehensive – other freak things that could damage your car (fire, theft, vandalism, animal strikes, and falling objects.)

Pro tip: If you have a car payment or lienholder, your lender will probably require you to carry both collision and comprehensive insurance. They want to protect their investment in the car, after all.

So, if you have comprehensive coverage as part of your car insurance plan, you don’t have to worry about trees that may or may not be holding a grudge against your vehicle. If a tree or branch crashes onto your vehicle, you should be covered.

So, moral of the story: take some time to think about getting collision and comprehensive coverage for your car. You never know when a hostile tree could take out its pent-up anger on your ride.

insurancehub get insurance quote

Get car insurance quotes.

Want car insurance quotes? Get in touch with our team by filling out our online form, giving us a call, or messaging us on LiveChat.

Share this article...
  • Facebook
  • Pinterest
  • Twitter
  • Linkedin
Tagged car insurance, comprehensive coverage, tree, tree falls

About Katelyn Betts

Kate is a copywriter and licensed insurance agent for InsuranceHub. She graduated from the Savannah College of Art and Design with a BFA in writing. Kate has lived in Georgia for most of her life, and she enjoys reading, writing, and playing with her family's cats.

Post navigation

How to get auto shop insurance
Get your home insurance ready for Atlantic hurricane season

Related Post

Keep Toasty With A Great Winter Soup

Keep Toasty With A Great Winter Soup

10 Tips for Enjoying the Gemini Meteor Shower

10 Tips for Enjoying the Gemini Meteor Shower

National Safe Toys & Gifts Month

National Safe Toys & Gifts Month

CALL FOR A QUOTE!

(770) 497-1200

Speak with an insurance agent who can deliver transparent insurance options and competitive rates. Shop across all our carriers and get a fast & free quote!


Online Quote Form

Recent Articles

  • What To Do After Purchasing a New Home: A New Home Purchase Guide December 22, 2020
  • 5 Common Mistakes People Make on Homeowner’s Insurance Claims December 22, 2020
  • Did your credit score increase? It’s time to shop insurance rates December 10, 2020
  • Why it’s important for your employees to take time off December 8, 2020
  • Vacation Home Insurance 101: What It Is and Why You Need It December 7, 2020

Article Archives

  • December 2020 (5)
  • November 2020 (1)
  • October 2020 (8)
  • September 2020 (7)
  • August 2020 (4)
  • July 2020 (5)
  • June 2020 (4)
  • May 2020 (4)
  • April 2020 (6)
  • March 2020 (7)
  • February 2020 (4)
  • January 2020 (11)
  • December 2019 (11)
  • November 2019 (11)
  • October 2019 (15)
  • September 2019 (11)
  • August 2019 (13)
  • July 2019 (13)
  • June 2019 (12)
  • May 2019 (14)
  • April 2019 (13)
  • March 2019 (13)
  • February 2019 (14)
  • January 2019 (13)
  • December 2018 (13)
  • November 2018 (18)
  • October 2018 (16)
  • September 2018 (10)
  • August 2018 (10)
  • July 2018 (13)
  • June 2018 (10)
  • May 2018 (15)
  • April 2018 (10)
  • March 2018 (9)
  • February 2018 (9)
  • January 2018 (12)
  • December 2017 (9)
  • November 2017 (10)
  • October 2017 (9)
  • September 2017 (8)
  • August 2017 (9)
  • July 2017 (10)
  • June 2017 (9)
  • May 2017 (10)
  • April 2017 (10)
  • March 2017 (8)
  • February 2017 (6)
  • January 2017 (4)
  • December 2016 (5)
  • November 2016 (8)
  • October 2016 (8)
  • September 2016 (7)
  • August 2016 (9)
  • July 2016 (8)
  • June 2016 (8)
  • May 2016 (6)
  • April 2016 (9)
  • March 2016 (9)
  • February 2016 (7)
  • January 2016 (3)
  • December 2015 (4)

About Us

At InsuranceHub, it’s our mission to make insurance easy. Our goal is to be more than just an insurance agency. We want to be a partner and an advisor to our customers.

© 2020 InsuranceHub Agency, LLC. All rights reserved.

Licensing & Legal

Company Information

  • About Us
  • Leadership Team
  • Careers at InsuranceHub
  • Connect on Social Media
  • Pay Your Bill
  • Customer Login

Communications

  • Our People
  • Leadership
  • Careers
  • Corporate Responsibility
  • Review Us

Your Security Is Our Priority

1720 Lakes Parkway
Lawrenceville, GA 30043

Phone: 877-341-5728
Phone: 770-497-1200
Fax: 770-814-7187

FEW-0630AO (11/2018)
  • Auto
  • Life
  • Health
  • Business
  • Privacy Policy
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close