Does Car Insurance Cover Tree Damage?

If you’re in an area prone to hurricanes, tornadoes, winter storms, or any other type of severe weather that includes high winds or lightning, you might worry about falling trees. Even healthy trees, with enough wind, can lose larger branches or come down. Sometimes they fall on your house, your car, in your yard, etc.

Should a falling tree choose your car on which to land, would your insurance cover tree damage? It’s a legitimate question, particularly for those who live in one of the areas just discussed. It’s a valid concern – and possible dealbreaker – when considering the purchase of an insurance policy.


Natural Disasters and Your Vehicle

Your car can be damaged by all sorts of natural occurrences including flooding, hail, fallen trees, and even an occasional meteorite. Basic plans for auto insurance may not cover the damage done in these cases. It likely won’t be in your best interest to file a claim if you don’t have the right kind of coverage in place.

Your car could be damaged by any of the following, which are neither the fault of another driver nor your fault: 

  • Animals
  • Flooding
  • Riots
  • Fallen objects
  • Vandalism
  • Fire

What Kind of Insurance Do You Need?

Let’s say you decide, with all the severe storms in your area or your excessive amount of travel, you want to make sure your car is insured against falling trees and other acts of God/natural occurrences. What can you do?

The bare necessities, where insurance is concerned, aren’t going to cut it if you want coverage against natural occurrences.

Here are the policies that will not help:

  • Property damage liability coverage
  • Liability coverage
  • Uninsured motorist coverage 
  • Personal injury liability 
  • Bodily injury liability
  • Collision coverage (but this will help pay for the damages to your vehicle if you’re involved in an accident)

Here is the policy that will help:

  • Comprehensive Coverage: For damages that occur to your vehicle, this choice of insurance essentially provides coverage – if, that is, the vehicle is stolen, damaged as a result of a natural disaster, experiences vandalism, etc. We are basically talking about anything other than a collision/accident.

You want the right kind of insurance, but you don’t want to pay any more than you have to. Here’s who to contact…

Do You Need Insurance Coverage from Storms and Falling Trees? Talk to K&N Insurance Brokerage

If you live in an area that experiences violent storms and/or high winds, you know that flying and falling debris can wreak havoc on your home, yard, and your vehicles – maybe even your life. Would your insurance cover the damages to your car if a tree landed on it?

To make sure you get the kind of insurance you need, there’s no one better to confer with than K&N Insurance Brokerage. But in addition to the right kind of insurance, you also want it to be affordable. We can help there, as well. We do all we can to offer significant savings by searching for the best deals. We offer superior customer support, we are efficient, we provide unrivaled knowledge, and we’re fast. We’ve already helped thousands of individuals.