Whether you accidentally dropped a hefty branch onto your ride while trimming that maple in your front yard, or a blue spruce found its final resting place on your car after a major storm — get the lowdown on whether your auto insurance will help pay for repairs related to fallen trees and branches.
how auto insurance can help with tree-related repairs
Trees cause an average of $1 billion per year in property damage — that includes vehicles, buildings, and other structures. Whether your ride suffers some scrapes from fallen branches after a storm or needs full-on body work due to a tipped-over tree, you can gain some peace of mind in knowing your auto insurance will help pay for tree-related repairs, depending on the coverage you carry on your policy.
If you want financial protection against fallen trees and branches, you'll need to carry comprehensive coverage (which helps safeguard you against a host of other hazards too).
If you don't carry comprehensive coverage on your policy, you're generally going to be held financially responsible for any repairs to your ride (basic, state-required liability coverage won't cover damage in this instance).
If you're already an Esurance customer and have questions about your policy or your coverages, give us a call at 1-800-ESURANCE (1-800-378-7262), where we're here to help at these times.
What if a neighbor's to blame?
If your next-door neighbor chops off a tree branch that falls on your car and damages it, they'll be responsible for paying to repair your car (either out of pocket or through an insurance claim payout). You also have the option of filing a comprehensive claim — assuming you have the coverage — on your own auto insurance policy, and then your insurer will subrogate through your neighbor's insurer.
In instances where fault can't be determined, you'd be responsible for getting repairs done on your ride.
get reliable protection from esurance
On top of affordable rates and a wide range of coverage options that help safeguard you in myriad ways, Esurance offers a convenient network of dependable E-Star® repair shops that offer guaranteed repairs the entire time you own your vehicle.
With garages around the country, you can easily find a location near you by entering your ZIP Code. Plus our innovative online tool, RepairView®, allows you to check your car's repair progress with daily photos from the shop.
So if your car gets dinged up or completely destroyed by falling trees or other debris (and just about anything the open road throws your way), you can count on Esurance to be there with the right tools and tech to get you back on the road as quickly as possible. It's just one more way we strive to save you time, money, and hassle.
Get your free personalized auto quote today!
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