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

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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: Aug 20, 2010

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Insurance Question from Mukwonago, WI

Asked on 08/20/2010

Falling tree branch hit car while driving. Is this comprehensive or collision? While driving in a storm, a tree branch falls and damages my moving car. Is this considered comprehensive or collision?

Answer given on August 20, 2010

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.

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