Are You Covered if a Tree Falls on Your Car During a Windstorm or Tornado?

A fallen tree can lead to costly and sudden vehicle damage. Without coverage for certain types of storm damage, repair or replacement costs may need to be paid out of pocket. Gary A Gibson Ins Agency, LLC can review your policy to help determine how well it aligns with potential weather-related risks.

How Auto Insurance Handles Storm Damage in Ohio

Comprehensive coverage is the portion of an auto insurance policy that typically applies to losses caused by severe weather, such as when powerful winds cause a tree to fall on a vehicle. If a driver crashes into a tree, the claim would likely fall under collision coverage instead.

Liability-only policies generally do not cover storm damage to the insured vehicle. For financed or leased vehicles, lenders may require comprehensive coverage. For owned vehicles, it is optional, but going without it means assuming the full financial risk.

What Factors Affect Coverage and Claims?

Several factors can affect claim outcomes and payment amounts, including:

• The deductible, which applies to covered claims
• The vehicle’s actual cash value at the time of the loss
• Policy exclusions tied to certain storms or weather events
• The timing and documentation of the claim

How Do You File a Storm Damage Claim?

When filing a claim, be ready to take the following steps:

• Report the damage to your insurer as soon as possible.
• Document the damage with photos, videos and written notes.
• Save any receipts for temporary repairs or towing.
• Keep records of all communication with your insurance company.
• Review your policy for specific filing deadlines that may apply.

We’re Here to Help

Contact Gary A Gibson Ins Agency, LLC today to request a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.