a neighbors tree dropped a branch on my car causing $3550 damage, is that covered under the neighbors basic homeowners ins?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 4, 2017

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Insurance Question from Reedsburg, WI

Asked on 10/04/2017

a neighbors tree dropped a branch on my car causing $3550 damage, is that covered under the neighbors basic homeowners ins? In thunderstorm last night neighbors tree dropped a limb on my car, who is responsible for damage

Answer given on October 06, 2017

If your neighbor’s tree dropped a branch on your car during a storm, the damage is usually considered an “Act of God” and would be covered by your comprehensive insurance coverage under your car insurance.  Your deductible for this would apply. This would not have an effect on your insurance rates.

If the tree was known to be sick or overgrown, and you had advised your neighbor of the situation, they could be held liable for the damages to your car.  That would be an act of negligence by your neighbor, thus making them responsible for the damages.

Depending upon the amount of damage to your car, your neighbor could ask his insurance company to pay for the damages, up to the amount listed in the policy, for property damage to others.  No negligence is required for this.  The amount is usually $500 or $1,000 and it is not required that your neighbor do this.

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