That Fallen Tree Branch Just Crushed Your Car. Is it an Insurance Claim?

Posted on by AgentInsure

That Fallen Tree Branch Just Crushed Your Car. Is It an Insurance Claim?

Start With Photos

A fallen tree branch can cause serious damage to your vehicle in seconds. If it happens, take photos before moving the branch or your car, if it’s safe to do so. Capture the damage from several angles, along with the branch, the surrounding area, and anything else that may help explain what happened.

For drivers in Chester, NJ, documenting the scene can be especially helpful when dealing with storm-related damage.

Know What Your Policy Covers

Whether your insurance pays for the damage depends on the coverage you carry. Comprehensive coverage generally applies when a tree or branch falls on your parked vehicle due to wind, storms, or other causes outside your control.

Liability coverage alone typically won’t pay to repair your own vehicle. If you’re unsure what your policy includes, The Insurance Outfit can help explain your auto insurance coverage and answer questions before you ever need to file a claim.

Report the Damage

Contact your insurance company as soon as possible and provide the photos and details you collected. Avoid making assumptions about responsibility until your insurer has reviewed the circumstances.

If the tree came from a neighbor’s property, that doesn’t automatically mean the neighbor is responsible. Fault can depend on factors such as whether the tree was visibly dead, damaged, or hazardous before it fell.

Prepare Before the Next Storm

Severe weather can happen quickly, so knowing your coverage ahead of time can save you stress later. Drivers in Chester, NJ, should review their policies before storm season rather than waiting until damage occurs.

If you have questions about your auto insurance or what happens after a tree damages your vehicle, The Insurance Outfit can help you understand your options. Give us a call to discuss your options.