Does Auto Insurance Cover Tree Damage?

There’s nothing worse than surviving a natural disaster, being grateful that your house and family are safe, and then discovering a giant branch has landed on your car. Sometimes, tree damage occurs due to a tree service misjudging where a branch will fall. In some cases, auto insurance in Scotia, NY, can help, but coverage depends on your policy.

Minimum Liability Coverage

Many states require minimum liability insurance, which covers property damage and bodily injuries caused to others. It often includes uninsured motorist coverage in case you’re in an accident with someone who doesn’t have insurance. However, minimum liability policies do not cover damage to your vehicle from natural disasters, vandalism, or fallen trees.

Comprehensive Coverage

Comprehensive coverage protects against damage from incidents that don’t involve a collision with another vehicle, such as a fallen tree. Many policies also offer add-on coverage to pay for a rental car while your vehicle is being repaired. A professional agent at DePaulo Agency can help you upgrade your policy to ensure you have the necessary coverage.

Tree Service Accidents

Tree service accidents may or may not be covered. Most businesses are required to carry insurance, which should cover damages caused by their mistakes, such as misjudging where a large tree limb will land. If this happens, you should first speak with the tree service company and obtain their insurance information to file a claim. Using your car insurance as a secondary option can help avoid increasing your monthly premium due to filing a claim.

We understand the importance of getting your car back on the road quickly. Professional agents at DePaulo Agency can help you learn more about different levels of coverage. Contact us today. We proudly serve the Scotia, NY, area.