What to Do If a Tree Falls on Your Car?
2 Answers
If a car parked on either side of the road is damaged by a falling tree, the owner can register with the local landscaping department by presenting relevant documents and may receive 95% compensation. If a car parked on either side of the road is damaged by a falling tree and the owner has collision insurance, the insurance company may cover 70% of the damages if the tree fell due to strong winds. If a vehicle is damaged by a tree falling due to force majeure and the vehicle is insured, the insurance company will cover the compensation. If there is no insurance or the damage is not covered by the insurance policy, the owner will have to bear the cost themselves.
That night I witnessed the tree collapse with my own eyes, completely crushing the car roof. Immediately confirmed no one was injured and moved away from the scene to avoid falling branches. Quickly dialed 110 or notified the property management to handle the debris, while taking panoramic photos including the tree root position and vehicle damage details. Contacted the insurance company to report the incident, providing the time, location, and tree owner information to facilitate the claim. For repairs, prioritize going to a 4S shop as they can handle body panel repairs and windshield replacement, avoiding potential future issues from small workshops. In the future, avoid parking near tall, old trees and regularly check for trunk cracks or loose roots. Prevention is better than cure—regular tree inspections can save major trouble.
