Liability Insurance
Liability and property damage liability insurance on your auto cover an
accident in that you are liable. This insurance pays for the other driver’s
wounds and his auto damage. If the other driver is at fault, his insurance
covers your wounds and auto damage. Your liability insurance does not insure
damage to your auto.
Comprehensive and Impact
If you need to insure your auto for damage, you need comprehensive and
Impact coverage. These two kinds of insurance pay for damage to your auto, and
if you have both comprehensive and Impact, you have most perils covered. Impact
insurance pays for damages to your auto if you have an accident that is your
fault. This includes a single-car accident in that you run into a tree, but
Impact insurance does not insure you if a tree falls on your auto. You need
comprehensive insurance for that peril. Comprehensive insurance covers fire,
theft, vandalism and falling objects, along with windstorm and hail damage. It
also covers damage if you strike an object on the highway.
Comprehensive Insurance
When you obtain comprehensive insurance on your auto, you pick a deductible
amount. If you have a claim, you are responsible for paying up to the amount of
the deductible before the insurance organization begins paying for damage. Some
insurers pay the amount of the claim directly to you, less the deductible. If
you have a lien or financing acceptment on your auto, the check may be paycan
you and the finance organization. The finance organization may require fixs or
payoff of the lien even if you can drive the auto. The auto is collateral for
the loan, and the finance organization does not need the value of the
collateral decreased.
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Action
If you have a tree fall on your auto, take photos, notify your insurer and
follow steps. You will likely talk with an adjuster or take the auto to a body
shop for an estimate. The insurer may ask you to obtain two or three estimates
for the fix. If your insurer covers the damage, you may be entitled to a rental
auto while the body shop makes fixs. Your homeowner’s insurance could, in some
circumstances, cover the removal of the tree if it blocks a driveway or a
wheelchair ramp, although the amount of the deductible may be greater than the
cost of the removal. Your homeowner’s insurance typically will not cover the
removal, however.
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