A tree falling on your car can create an instant crisis. Drivers in Altoona, PA, may suddenly have no way to get to work or take their kids to school, and the damage costs can be significant. Fortunately, your auto insurance may help cover the situation, depending on the type of coverage you carry.
Liability Coverage
Pennsylvania requires all drivers to carry minimum liability coverage. However, liability insurance only pays for the other person’s injuries or property damage when you are at fault in an accident. It does not cover damage to your own vehicle if a tree falls on it. To be protected from this type of loss, you need additional coverage.
Comprehensive Coverage
Comprehensive coverage can help pay for damage caused by falling objects, including trees. This coverage may apply even if the tree came from a neighbor’s yard or if the tree fell because it was not removed despite leaning or showing visible signs of damage. An agent at H. Dean Allison Insurance can help explain how comprehensive coverage works and what other options may be available to you.
Deductible
Even if your insurance company pays for repairs or determines your vehicle is a total loss, you are still responsible for paying your deductible. This is the amount listed in your policy that must be paid out of pocket before insurance covers the remaining damage. For example, if your deductible is $500, you must pay the first $500 of repair costs before your insurer contributes.
Understanding how your coverage works is important, especially if there is a chance your vehicle may be totaled. The team at H. Dean Allison Insurance can help you review your policy and answer questions. Contact us today. We proudly serve drivers in the Altoona, PA, area.
