Am I covered if a tree falls on my car?

If you have comprehensive coverage, it may help. If you don't have comprehensive...well, that's unfortunate.

Okay. You’re all ready to go to work in the morning. You go outside, humming to yourself (it’s Friday, okay?) and immediately stop in your tracks. A tree has squashed your car. As in…squashed. It must have blown over during last night’s storm.

Now you’re cursing to yourself…and asking if you’re covered if a tree falls on your car.

Let’s take a look at that.

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If you have comprehensive car insurance, you’re most likely going to be good to go. It may cover falling trees. That’s because comprehensive insurance covers losses that weren’t caused by an accident – such as the following:

So, yeah. Comprehensive coverage could be a saving grace if a tree falls on your car.

(Fun fact: if you have a car payment, your lender may require you to carry comprehensive and collision insurance.)

Err…but what if you don’t have comprehensive coverage? What if you only carry liability insurance?

Sorry, friend. You’re out of luck.

Liability insurance isn’t meant to protect your car. It helps cover the other driver’s bodily injury and property damage if you’re at fault in an accident. So, if you cause a wreck, it can help pay the other driver’s medical bills. It can help pay to repair their car. Will it help repair your car if a tree falls? Nope. Your liability coverage is not going to protect your car. It just…won’t. That’s not its thing.

So: if you want your car to be covered by insurance, you need to make sure to think about collision and comprehensive insurance. Collision coverage helps you repair or replace your car if you’re in an accident. Comprehensive coverage helps you cover your car if you have a loss caused by something other than an accident, such as animal strike, theft, vandalism, fire…or a falling tree.

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