Texas Insurance Agency

 

Home Page Empower Insurance Customer Service Make A Payment About Us Contact Us English Spanish Contact Us
 
Texas Insurance Agency

Tree On Top Of A Car

Many drivers collide with an object — such as a tree — over the course of their driving lives. Most of the time, this occurs when there are distractions in place.

No matter how it happens, a collision with a tree can create significant damage to your car. In some cases, the car may need significant repairs in the wake of an incident like that. For this reason, it is always important for drivers to have proper car insurance in place.

However, not all situations will warrant protection. Here are a couple of important questions to consider when determining if you'll be covered.

Did You Cause The Collision?

Your car insurance protects you when unpreventable or accidental problems occur. For instance, if a tree falls on your car due to a storm, you may have coverage. If you have comprehensive auto insurance, that policy will likely provide protection here.

On the other hand, not all collisions with a tree will have this protection. For example, if you back up the car and strike a tree, comprehensive coverage is not likely to cover your loss. Then again, if you have collision insurance, it may help you recoup your losses.

What Should You Do When This Happens?

Let's say you back up into a tree. The tree falls and smashes the car. Your first step is always to seek medical care as necessary. If you are on public or private property, call the police to document what happened. Contact the property owner, if the property doesn't belong to you.

Then, contact your Texas Insurance Agency agent. He or she will work with you to find the right solution. This includes verifying the type of car insurance you have.

Make sure you have the answers to the following questions when placing the call: Do you have collision coverage? If so, how much damage coverage does it provide? This information allows the insurer to share insight into your policy specifically.

If you have coverage, you can file a claim. The insurance policy may cover repairs to the vehicle. This includes parts and labor. If the technician cannot repair the car, the insurance company may total it. This means the insurance will pay the maximum possible (under your policy) to replace the car. The details of your policy will share how much is covered. Most car insurance policies do not cover the tree cleanup.

Collisions with any stationary object may be a part of your auto insurance coverage. If this is not a coverage you have, it may be time to expand your protections. Accidents like this can happen anywhere and at any time. So, don't go without coverage.

Get A Quote

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Texas Insurance Agency View Our Latest Insurance News
more...
 
"Thanks to TIA, our insurance costs have gone down significantly."
more...
Texas Insurance Agency
Texas Insurance Agency
Home
About Us
Get A Quote
Customer Service
Make a Payment
Read Our blog
Newsletter
Contact Us
Auto Insurance
Home Insurance
Renters Insurance
Motorcycle & Boat
Business Insurance
General Liability
Mexico Insurance
More Insurance Types...
Mailing Address
TIA -Texas Insurance Agency
6906 Airline Dr
Houston, TX 77076
Contact Us
713.921.8000

Chat Online Now
AMCO/Texas Insurance Agency BBB Business Review
Texas Insurance agency
Employment Opportunities My Policy Location Facebook Twitter Blog RSS Feed Insurance Website Builder Home Page Linkedin Facebook Twitter Blog RSS Feed Google+ LinkedIn Referral Program No License Auto Title Transfer Young Drivers Roadside Assistance