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Maybe you were parked underneath a tree on a stormy night.

Dave Grommesch Supervisor Email Dave Grommesch Frontier Court Burnsville, MN Phone: Fax: Hours Monday to Friday. Apr 19, 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 stumpdrop.clubted Reading Time: 5 mins.

Apr 02, If a tree on a neighbor’s property falls and damages your car, they may be responsible. You will still file a claim with your auto insurance company. However, if it can be proven that the tree fell due to your neighbor’s negligence, their homeowners insurance should cover your claim. Proof of fault is the important factor here. Sep 27, If any portion of a tree breaks off or falls over and damages your car, then your insurance policy may cover the loss.

Your homeowner’s insurance coverage will not normally cover this loss, meaning you will need to have active car insurance with the proper coverage option to. Updated: December Car insurance may help cover tree damage if you have comprehensive coverage on your auto insurance policy.

Comprehensive coverage helps pay to repair or replace your vehicle if it's damaged or destroyed by falling objects, like a tree. Sep 17, If you only have minimum coverage on your car, your insurance likely won't cover damage caused to your car by a tree. Comprehensive coverage will repair damages to your car caused by fallen trees, plus hail damage. If you collide with a fallen tree while driving, this will be covered by your collision coverage insurance. If your tree falls on a car: The car owner's insurance should cover the car damage if they have comprehensive coverage.

Note that in any of these situations if no damage was caused by the tree falling, insurance will not pay for anything. Overall, the best way to avoid this issue is to get dying or diseased trees removed as soon as possible.

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