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gofish | Insurance question - if a tree falls on your car who will pay for it your car insurance or your household ins |
Additional Details
it was a close call only nothing happened i just wondered . The tree is on our property . It was rotting but so are lots of trees in the forest .
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Sue
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It would be paid by your car insurance. You have to be sure you have "other than collision" coverage for it to be covered. Otherwise, you would be out of luck. Also, you knew the tree was rotten & obviously did nothing about it. So, if the tree fell on someone ELSE's property, you could be held liable & then your homeowners would pay the other party if you were found to be liable. Now, the reason your homeowners wouldn't pay for YOUR car is because 1 - cars/pickups/vans, etc are specifically excluded on your policy & 2 - you can't be liable to yourself (even though you knew the tree was rotten).
Word of caution - if you know other trees on your property are rotten, it is your obligation to have them removed. This is maintenance of your property. Next time if a rotten tree falls & injures or kills someone, first, how would you feel & second, your homeowners policy limits could be exhausted & I would wager your homeowners policy would be nonrenewed due to claims & maintenance issues & you will have a difficult time getting another policy. |
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lovebugkz
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Well, when it happened to me, I submitted it to my car insurance company, and it was fine. :) |
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aigaujr
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Your car insurance company. This does not fall under the guidelines of your home insurance. |
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gomanyes562
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This would be covered by your car insurance (under comprehensive). Most home insurance policies wouldn't cover this type of thing, but maybe yours does. If so, you can claim either. |
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blb
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vehicles are excluded under a homeowners policy so you have to have comprehensive or other than collision coverage on your auto policy in order to have coverage |
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mbrcatz
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Your car insurance. Your house insurance doesn't cover damage that falling trees do to anything, unless that "anything" is already covered by your house insurance - then it's covered under 'falling objects'. ANYTHING that falls on your house, it will cover your house.
It won't cover if your tree hits someone else's car, either.
Car insurance covers damage to cars, house insurance covers damage to houses. |
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shardoggie
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ask your insurance company |
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Becky D
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If a live tree falls on someone's car (during a storm, for example) it is considered an act of God, so the owner of the property where the tree was is not responsible. A dead or rotting tree, however, IS the property owner's responsibility; you are responsible for maintaining your property, and getting rid of dead trees is a part of maintenance. Therefore, if your dead tree had fallen on someone's car, you could be held liable.
It has absolutely nothing to do with your automobile insurance, although it's possible they may pay. |
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earth angel
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I saw something like this on tv - I think, it depends who owns the tree (city, neighbor???) and if it's legal to park where you parked your car when the tree fell on it. Plus, before the tree fell, if you could prove that the tree is off balance already, but of course if you know that the tree is off balance, why did you park underneath it??? You have to study the situation before you seek legal attention. |
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John D
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They'll both claim that it is the other insurance company that is responsible...Then they'll raise your premium |
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staremwi
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go for the homeowners ins - and talk to your agents on BOTH policies. |
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