Will Insurance Cover a Car Crushed by a Falling Tree?

1 Answers
MacWeston
07/29/25 4:51pm
Here are the specific scenarios regarding a car being crushed by a falling tree: 1. If the tree breaks and damages the vehicle due to force majeure: vehicles with insurance will be compensated by the insurance company; those without insurance or outside the coverage scope will be the owner's responsibility. 2. If caused by tree breakage: according to Article 90 of the Tort Liability Law of the People's Republic of China, the owner or manager of the tree shall bear tort liability unless they can prove they are not at fault. 3. If caused by maintenance or management negligence: the manager of the tree shall compensate for the damage, with the owner bearing joint liability. If the vehicle owner is at fault, they shall also bear corresponding responsibility.
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