My Tree Fell on My Car: Do I File a Home Insurance Claim or An Auto Insurance Claim?

A tree falling on your car can cause a significant amount of damage. If it was a tree from your yard that fell on your car, you may find yourself wondering whether you should file a home insurance claim or an auto insurance claim. Here is some information you should know when filing a claim with your insurance company for a tree falling on your car.

What Your Home Insurance Covers

If a tree falls on your car, your home insurance will not cover the damage to your car. However, they may cover the cost to remove the tree and any property damage done by the tree. This may include damaged fencing or damage done to other landscaping. As such, you may want to consider filing a home insurance case if the damage done by the falling tree to your property, not including your car, is more than the amount of your deductible.

What Your Auto Insurance May Cover

If you have comprehensive auto insurance, also referred to as full coverage auto insurance, your car will likely be covered by a tree on your property falling on it. Unfortunately, if you only have liability insurance, your insurer will not pick up the repair costs for the damage done to your vehicle.

Having the right type of home and auto insurance can help ensure that any damage done to your home, property or car is covered. If you are not sure what type of insurance you need, visit Insurance Shopper VA, serving the greater Virginia Beach, VA area. We can help ensure you are covered in the event of an unforeseen accident, like a tree falling on your car. Call us now to get started.