Falling tree branch hit car while driving. Is this comprehensive or collision?

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UPDATED: Aug 20, 2010

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Written By: Jeffrey JohnsonUPDATED: Aug 20, 2010Fact Checked

Falling objects are considered a part of comprehensive coverage. The deductible for that will apply to the policy and there is no charge or affect on the premium. 

Some companies apply a separate deductible to glass damage, so if your windshield, or other glass was damaged, be sure to tell your agent about the damages. Different deductibles for the different damages could save you some money.

You need to discuss everything with your agent, and if you have a report from the police department, provide your agent with a copy of the report.  This will help determine the damages and deductibles that apply to the claim.  While no police report is required, it can help you in   establishing the damages to your car and how they occurred.

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.

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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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