Does Full Coverage Auto Insurance Usually Cover A Large Tree Branch Denting Your Car?
My husband just called from work to tell me our car has a huge dent in the passenger side. Sure enough, there is a large branch of tree in our drive way.
Before I call the insurance I wondering if you know this answer to this so I can know what to expect. I am with State Farm and have full coverage.
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February 28th, 2010 at 10:09 am
If you have comprehensive coverage, then you will have coverage for this accident. It is subject to whatever deductible you have on the coverage, however. Can I make a suggestion?…
Don’t turn in the claim if you think the damage will fall under your deductible. These days, even when you call you insurance company to make a claim and it ends up that they don’t pay you because your deductible is bigger than the damage… the $0 claim can affect your premium… especially if you try to move your coverage to a cheaper company. Most people think that since it is not their fault and nothing was paid, that a claim can’t affect you in any way. I am telling you it can and I see it every day. Take your car to get an estimate and if it is lower than your deductible, don’t even call the insurance company.
February 28th, 2010 at 12:51 pm
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February 28th, 2010 at 1:47 pm
idk srry
February 28th, 2010 at 7:23 pm
If you have comprehensive,.depending on your deductible it should cover it.
March 1st, 2010 at 12:32 am
they should. it should fall under the comprehensive claim portion.
March 1st, 2010 at 6:42 am
Yes, your comprehensive coverage will cover that after you pay your deductible.
March 1st, 2010 at 10:31 am
Yes, your full coverage insurance will cover the damage. Under the comprehensive portion of your policy. However, there will probably be a huge deductible.
March 1st, 2010 at 4:06 pm
Some times in the case of a storm. But since Katrina …State Farm has been hard to deal with. I think that should.
March 1st, 2010 at 6:15 pm
Your comprehensive insurance should cover damage such as this. You will have your deductible taken out of what the payment will be.
If this is a tree from property you are renting the landlord should have insurance for homeowners to cover it.
You should also ask insurance company for renters insurance!
That will cover items in your apartment and is a very low price. It will also lower your insurance premium for having multiple insurance.
March 1st, 2010 at 9:00 pm
Just tell them a car must of crashed it while you were shopping at it was parked at the store parking lot. If they don’t cover that but they should.
March 2nd, 2010 at 2:27 am
Yes, but you will have to cover the deductible (usually $500 or $1000 dollars) So if it will cost less than that to repair the dent, You’re better off just getting it repaired and NOT filing a claim that will stay on your record and increase your premium.
March 2nd, 2010 at 7:01 am
If you have comprehensive coverage, yes it is covered less your deductible.
Edit – if the tree was unhealthy, and should have been cut back or down, your landlord could by considered liable, and you could potentially recover through his insurance company.
March 2nd, 2010 at 9:55 am
yes i believe its called comprehensive
March 2nd, 2010 at 3:27 pm
yes. full coverage is just that- full coverage.
it covers just about anything that could happen to your car.
of course i’d read the fine print.
March 2nd, 2010 at 9:13 pm
Yes it is covered under your comprehensive coverage, but you will have to pay a deductable.
March 3rd, 2010 at 2:06 am
If you have comprehensive (Other Than Collision) coverage, it will pay – subject to the deductible on YOUR policy.
Don’t look for any assistance from the tree’s owner.
March 3rd, 2010 at 7:10 am
JUST AS LONG AS IT WASN’T YOUR FAULT THEY SHOULD COVER IT. IF THE DENT IS TOO SMALL THEY MIGHT SAY YOU’LL HAVEE TO LIVE WITH IT.
March 3rd, 2010 at 11:21 am
Yes this would be covered under your comprehensive coverage. They will inspect your car and write up an estimate. You will be obligated to pay your deductible.
Hope this helps!
March 3rd, 2010 at 12:56 pm
Some companies due some don’t if they don’t your homeowners should cover it and if you don’t own your home the owner of the property is responsible.GOOD LUCK
March 3rd, 2010 at 5:04 pm
yes, it should cover it!