Does Alabama car insurance cover me if a tree falls on my car?

So, you’ve got a bit of a situation. There’s a tree, and it fell…and it squashed your car. It looks like there’s quite a lot of damage. But your question is this: will Alabama car insurance cover you if a tree falls on your vehicle? We’ll explain the coverage you need to ensure that your car will be covered if a tree falls.

Does car insurance cover falling trees?

If you have comprehensive coverage, sure – that coverage may cover stupid trees that fall onto your car. If you don’t…well, we hate to say tough luck, but…tough luck.

Here’s why:

Liability insurance only covers your legal responsibility to other drivers on the road if you’re at fault in an accident – not your vehicle. Bodily injury liability helps cover the other driver’s medical bills and pain and suffering, while property damage liability helps cover the repairs or replacement of the other driver’s car.

So, yeah – that’s what we mean when we say that liability insurance is meant to protect other drivers on the road from you. It’s not meant to protect your car from you. (Or falling trees.)

However, you probably wouldn’t have to worry about that fallen tree if you have comprehensive coverage. That’s because comprehensive coverage is meant to protect your car and help you repair it if it’s damaged by a covered loss.

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What is comprehensive coverage?

Comprehensive coverage can help you repair or replace your car if it’s damaged by something other than an accident. It generally covers losses like:

  • Fire
  • Theft
  • Vandalism
  • Falling objects
  • Animal strikes

So, yes – if a tree falls, you’re generally covered by your comprehensive coverage.

Your comprehensive coverage most likely comes with a deductible (which is the amount you agree to pay if you have a claim.) To put it another way, you have your chunk of the claim and the insurance company has theirs.

So, if your deductible is $500 and a tree falls and causes $2,000 of damage to your car (it was a big tree), you’d pay $500 and the insurance company would pay $1,500. You’d be out $500, but better than being out $2,000, right?

But you’re probably wondering why we didn’t mention anything about accidents. What if you’re involved in a car accident? How can you get your car fixed? Well, that’s where comprehensive coverage’s buddy, collision coverage, steps in to help.

What is collision coverage?

Collision coverage can help you repair or replace your car if it’s damaged in an accident or if you collide with something.

So, let’s say that you were in a bit of a hurry and accidentally hit a tree as you’re backing out somewhere. The tree, of course, is fine. It’s a tree. But your car is quite crumpled. Your collision coverage could help you with the repairs.

Pro tip: If you have a car payment, your lienholder probably required you to get both comprehensive coverage and collision coverage.

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When you get car insurance, it’s really important to make sure you have the coverages you need to protect it. Your car is valuable. And you depend on it. So, give some thought to the coverages you have and make sure that your car is protected. Your bank account will thank you in the long run.

Get car insurance quotes by filling out our online form, giving us a call, or messaging us on LiveChat. Our team of insurance experts would be happy to help you get the coverage you need at a great rate.

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