How to Deal with a Tree Falling on a Car?
2 Answers
Methods for handling a tree falling on a car are as follows: 1. Force Majeure: If the tree breaks and damages the vehicle due to force majeure, the insurance company will cover the compensation if the vehicle is insured. If there is no insurance or the damage is not covered by the insurance, the vehicle owner must bear the cost themselves. 2. Maintenance and Management Negligence: If the tree breaks and damages the vehicle due to maintenance and management negligence, the tree's manager should be responsible for compensation, and the owner will bear joint liability. If the vehicle owner is at fault, they should also bear corresponding responsibility. The methods for determining the coverage amount of car damage insurance are as follows: 1. Based on the New Car Purchase Price: The coverage amount is determined based on the new car purchase price, which refers to the market price of the same model at the time of insurance plus the purchase cost. This method is considered full coverage by the insurance company, and the policyholder can receive compensation for actual losses in case of an incident. 2. Based on the Actual Value at the Time of Insurance: The coverage amount is determined based on the actual value at the time of insurance, which refers to the new car purchase price minus depreciation. Although this method may result in lower premiums, it is considered underinsurance from an insurance perspective.
Last time I encountered a tree falling onto my car, I was so scared that I was shaking. I quickly turned off the engine and pulled the handbrake, first checking if anyone in the car was injured. If someone was trapped, I would have called 120. If no one was hurt, I immediately got out of the car and moved to a safe place, taking a few photos to document the damage, including the time and location. Then I quickly called my insurance company to report the accident, avoiding moving the car to prevent further issues. Afterward, I reflected on the incident: usually, I should park farther away from trees and check their health condition. For repairs, I found a reliable shop and spent a few thousand yuan, but it gave me peace of mind.
