Auto insurance can protect you against financial crises resulting from your car getting damaged. Since car damages can come in different forms, there are different types of car insurance coverage to take care of the different types of damages. If you are worried that your car insurance coverage does not cover tree damage, read on to find out more!
To understand whether or not car insurance coverage will cover tree damage, you need to understand some common types of auto insurance, what they cover, and how they can help you if your vehicle is damaged due to a tree.
Liability coverage protects the policyholder from damages they are liable for. It can be property damage or bodily injury.
pays for the repair or replacement of the car and property damaged by your driving.
is another kind of liability coverage. It covers the medical expenses of the other victim(s) when the policyholder is the at-fault driver. This coverage is only applicable to the policyholder and anyone listed in the policy as a driver. In other words, the insurance will not pay for the driver's liability is not covered by the insurance.
Personal injury protection coverage covers the policyholder or their passengers from medical expenses in case of an accident. Expenses include doctor's visits, x-ray, surgery, ambulance, prostheses, etc. It caters to lost wages if they cannot work due to accidents, including colliding with a tree. The insurance also pays for funeral expenses if the accident results in death.
Collision coverage pays for damage done to your car or property by your driving. It is the reverse of liability coverage. The policy covers damage resulting from hitting a fence, a tree, another vehicle, a pole, a stationary object, etc. If you are financing your car, you need this kind of coverage along with other kinds of car insurance coverage until you pay off the loan.
Comprehensive insurance coverage will cater to other kinds of damage not involving a collision. It covers damages such as loss, theft, vandalism, fire, weather damage, and falling objects. If you are worried about tree damage, you should get enough comprehensive coverage in your auto insurance as it can protect your vehicle if a tree falls on it and damages it.
Remember that if you have an old car and if a large tree branch falls on it, your car might be totaled as the cost of repairing the car may exceed its actual cash value. However, the damage can be as minor as the damage to the windshield or dent, whose repair cost may not be that high. Ensure your comprehensive coverage adequately covers you for damage from falling objects, including a tree.
Apart from comprehensive coverage, there are other optional car insurance coverages to consider for tree damage. Rental reimbursement coverage pays for a rental car while your vehicle is being repaired when damaged, and new car replacement coverage pays for a new car if the old one is destroyed.
So, yes, your car insurance coverage will cover tree damage if you have comprehensive coverage in the mix. If you are thinking of having auto insurance or upgrading your coverage, we've got you covered.
At Weeks Associates Insurance Services, we've got the right kind of car insurance coverage tailored to suit your need in case you are worried about protecting your vehicle from tree damage. Contact us today to get a quote for free!