Car damaged in my yard from my tree

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Nov 27, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Battle Creek, MI

Asked on 11/27/2018

Car damaged in my yard from my tree My 2016 vehicle was damaged when a tree from my yard fell on it during a snow storm. I am afraid that my car insurance will total the car as the damage is significant. My concern is that it will not pay off the vehicle in full as I have not had the car long enough to not be "upside down" on the loan and I do not have gap insurance. Do I have any recourse through my homeowners insurance if this is the case?

Answer given on December 04, 2018

If your tree fell on your car, the insurance coverage will be from your car insurance.  Had the tree belonged to a neighbor, then their homeowner insurance probably would have covered your car. However, in either event, if the car is considered a total loss, then the insurance company would have handled the claim in a similar manner.

Even if you had a way to help through your homeowner insurance, the settlement would not have changed. You should proceed with the claim through your auto insurance company and hope for the best. If they do declare it a total, you can then find out how “under water” you are on the loan.  Sometimes lenders will transfer the remaining balance to a replacement car, especially if you got the loan through the automobile company (GM, Toyota, ect).  Talk to them once you know how much settlement you will receive  from the insurance company.  Remember, your deductible will apply.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption