What to Do If Your Car Is Hit by a Tree on a Rainy Day?
2 Answers
If your car is damaged by a falling tree on a rainy day, you should report it to the landscaping department. The landscaping department has insurance for all street-side trees. If property damage occurs due to tree collapse or broken branches, the insurance company will assess the damage and provide compensation. Steps to take in such a situation: First, call the police and notify your insurance company. However, it is crucial to remember to keep the scene intact without moving the vehicle, provided it does not obstruct traffic and is safe to do so, and wait for the relevant personnel to arrive. If moving the car is unavoidable under the circumstances, take photos of the scene to document the situation and preserve evidence. The reason for not moving the car is that doing so without authorization may lead to secondary accidents. Without photographic evidence, subsequent claims may face difficulties and unnecessary complications. Insurance company policies for such incidents: If a tree collapses and damages a vehicle due to natural disasters or other force majeure events, and the vehicle is insured, the insurance company will cover the compensation. If the vehicle is uninsured or the damage falls outside the insurance coverage, the owner is responsible for the costs. Damage to parked vehicles caused by strong winds knocking down trees, billboards, or falling debris from rooftops is classified as "external object collapse." According to the auto insurance policy, during the insurance period, direct losses to the insured vehicle caused by "falling or collapsing external objects" are covered under the vehicle damage insurance. However, in cases of natural disasters or extreme weather conditions, vehicle damage insurance typically includes a deductible of around 30%. This means that for insured vehicles, the insurance company will cover 70% of the loss.
When my car was hit by a tree on a rainy day, my first reaction was not to panic. I immediately checked if anyone in the car was injured. If there were any injuries, I would call 120 for help right away. If it was safe, I would slowly get out of the car and find a dry place to take shelter from the rain, avoiding any risky moves near the tree or the car to prevent secondary collapses. With heavy rain and slippery roads making the situation complicated, I promptly called 122 to report the incident, clearly stating my location to ensure the police could arrive quickly. While waiting for the police, I avoided disturbing the scene and took a few photos for documentation. Safety is the top priority, so after handling the accident, I notified my insurance company to report the details. Later, I assessed the damage, reflected on my parking habits, and decided to avoid densely wooded areas, opting instead for parking lots or open spaces to reduce similar risks in the future. This experience reminded me to pay more attention to environmental safety before severe weather strikes.
