Who is responsible for compensation when a fallen tree damages a car?
2 Answers
Compensation for a car damaged by a fallen tree is divided into two scenarios: 1. 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 the vehicle is uninsured or the damage is not covered by the insurance policy, the owner bears the cost. 2. If the tree breaks and damages the vehicle due to negligence in maintenance or management, the tree's administrator is responsible for compensation, and the owner bears joint liability. Below is relevant information about vehicle loss insurance: 1. Concept: Vehicle loss insurance covers damage to the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. 2. Calculation formula: Base premium + purchase price of the new car × rate. 3. Coverage: Most insurance companies' vehicle loss insurance generally covers losses caused by natural disasters such as lightning, storms, heavy rain, floods, and accidents such as collisions and overturns, as well as related rescue expenses.
My car had this happen before, it mainly depends on whose tree fell and your car insurance coverage. If the tree belongs to someone else and wasn't properly maintained, the tree owner should be responsible for compensation, but having comprehensive insurance makes things easier. Contact your insurance company to file a claim, especially since comprehensive insurance can cover accidental damage. Take photos of the scene as evidence. In the city, trees in residential areas are managed by the property, while in rural areas, neighbors might be responsible. If it's during a typhoon, it counts as a natural disaster, and the claims process might be slower. It's advisable to regularly check your car insurance policy to ensure coverage for external events, avoiding out-of-pocket repair costs.
