What Insurance Pays If A Tree Falls On Your Car?
Monsoon season is upon us; and there are some really big trees around town! So what happens if that really big tree in your neighbors yard happens to break and fall on your car during monsoon season? Who pays for it? Does your car insurance company pay for it? Or does your neighbors homeowners insurance pay for it?
The Answer Surprises People!
The answer surprises a lot of people, and this almost always happens every single monsoon season, I get a client that says, “Hey, my neighbor’s tree fell on my car, but their homeowner’s insurance isn’t paying for it. What’s up with that?”
Well, here’s the deal guys. Homeowners insurance is not going to pay, in most cases, for a tree that falls on your vehicle unless the homeowner is negligent. That’s the only way that their homeowners insurance is going to pay for it.
What does it mean to be negligent?
Well, maybe the tree was really old and you had spoken to your neighbor multiple times and said- “Hey, I’m worried about that tree. It’s probably going to fall next time the monsoon comes through. I need you to cut it down.” That could possibly be a case. Another case- let’s say the neighbor is out trying to trim the tree by themselves or cut it down by themselves and they do something stupid and it falls on your car. Those are some cases where the homeowner’s insurance of your neighbor possibly will pay for the damage to your car.
But if you’re worried about it, the only way your car insurance is going to pay for it is if you carry comprehensive coverage on your car insurance. That’s what some people refer to as full coverage where you have the $500 or $1,000 dollar deductible. That is going to be the coverage that’s going to pay for damage to your car if a tree falls on it, whether it’s your neighbors or a random tree or a tree in a parking lot, whatever. If you want to make sure you’re covered, you need to carry that comprehensive coverage, otherwise you’re going to be out of luck and that really big tree is going to be on your car.
Make sure you have the right coverage guys.