Storms can wreak havoc on your property, and your vehicle is no exception. If a tree falls on your car during a storm in Greenwood, IN, you might be wondering if your auto insurance will cover the damage. At American Business Insurance, we’re here to help you understand how your auto insurance policy responds to such incidents.
Comprehensive Coverage: Your Best Friend in a Storm
When it comes to tree damage from a storm, the part of your auto insurance policy that comes into play is typically your comprehensive coverage. This coverage is designed to pay for damage to your vehicle caused by events that are out of your control, such as falling trees during a storm.
Understanding Your Deductible
It’s important to note that your comprehensive coverage usually comes with a deductible. This is the amount you’ll need to pay out of pocket before your insurance coverage kicks in. Depending on the extent of the damage and the amount of your deductible, you’ll need to consider whether it’s worth it to file a claim.
What If the Tree Isn’t Yours?
If the tree that damaged your car belongs to someone else, you might think their homeowners insurance should pay for your vehicle’s damage. However, this is usually not the case unless you can prove they were negligent in some way, such as ignoring a dying tree that was at risk of falling.
Protecting Your Vehicle in Greenwood
Dealing with a fallen tree on your car can be stressful, but understanding your auto insurance coverage can make the process easier. If you’re unsure about your coverage or have questions about tree damage to your vehicle in Greenwood, IN, contact American Business Insurance today. We’re here to help you navigate your auto insurance policy and ensure you have the protection you need.
