As drivers, most of the threats that we’re concerned about are on the road. However, there are more than just threats on the road to worry about. It’s quite possible that a branch could fall and destroy your roof, or something else could fall from the sky and do damage when your car is just sitting in the driveway. That begs the question: does auto insurance cover damage from falling items? Let’s look more closely at this question to help you determine what type of auto insurance coverage you’ll need to stay protected no matter what. Once you’re ready to see what your options are, you can start shopping with our support here at Guy Hurley McNeil, serving Rochester Hills, MI, and surrounding areas.
Will My Auto Insurance Policy Cover Damage Caused by Falling Items?
Your auto insurance policy may cover damage caused by falling items, but it depends on what kind of coverage you have and what the scenario at hand is. For example, let’s imagine that a neighbor’s tree loses a branch and it falls on your vehicle. In a situation like this, your neighbor’s liability insurance might be the one dealing with the damages, especially if you were concerned it might fall and warned them about it. But what if a tree branch falls and it’s no one’s fault, or it’s your own tree? In this case, your auto insurance policy will help you deal with the costs, but only if you have comprehensive coverage. If you have basic coverage, this only offers liability coverage.
Shop Auto Insurance With Guy Hurley McNeil
Here at Guy Hurley McNeil, serving Rochester Hills, MI, we work with you to help you find the best auto insurance policies for you and expedite the shopping process. Get in touch with us now, or compare quotes today!
