Will my Policy Cover Damage From a Fallen Tree?

Having your car get damaged during or after a storm can be a really tough thing for you to deal with. You're certainly going to dread having to get the repairs done and waiting to be able to drive your vehicle again. One thing that can make your wait a lot more comfortable is knowing that you have some great protection that will cover you if your vehicle is, for example, damaged by a fallen tree. A lot of people just assume that these incidents are covered, when they aren't always going to be.

If your car ends up getting damaged by a fallen tree, you might just assume that your policy is going to cover it. This is certainly something that you should give more thought to, as these incidents will only be covered if you have the right type of insurance coverage. If you don't have comprehensive coverage, then you're not going to receive any compensation for the damages caused by a fallen tree. That could seriously delay the repairs to your vehicle and make you unable to drive to work or school.

Getting Comprehensive Coverage

When it comes to getting money for damages from things like fallen trees, then you're going to have to get comprehensive coverage. This is a special type of car insurance coverage that will help you pay for damages that are caused by things other than collisions. This is going to include damage that results from harsh weather or natural disasters, damage from vandalism or theft, and damage from animal attacks. If you're not sure whether or not something is covered, then you should consider contacting an agent and speaking about these things.

Although comprehensive coverage is going to cost you a fair bit of money each month, you really need to think about whether this cost is going to be worth it or not. Think about how much damage your vehicle could face if it were hit by a fallen tree. You could be looking at thousands of dollars in damages. If you don't have any coverage, then you could be forced to pay that entire amount to get your vehicle fixed. Most drivers just don't have that kind of money, so they need something like comprehensive coverage to help them out.

If you do select comprehensive coverage, you'll need to spend some time thinking about what your deductible should be. This is the amount of money that you'll need to pay if you want to make a claim on your policy after a tree falls and damages it. If you set the deductible level at a high rate, then this could lower the costs for the coverage each month. However, you'll need to keep in mind that you need to make sure that you have enough money to pay the deductible, no matter what you set it as.

Check with Your Agent

If you want to find out if your policy will cover damage from a fallen tree, then you need to contact your insurance agent. He or she will be able to look over your policy and tell you if you have this type of coverage already. If you don't, then you can speak to your agent about what it will cost to add it to your policy. If you think that it might be too much, you may want to shop around with other providers. You may need to switch your provider to get the coverage you need to protect your vehicle.

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