What happens when a tree damages my car in MA?

Bethany of Franklin, MA asked, "If something happens to your car in your yard, such as a fallen tree branch, who covers the repair? Homeowners insurance or your car insurance."

My answer is: Your car insurance, if you have the right coverage. In general, if the damage occurs to your car, your car insurance covers it; if the damage occurs to your home, then your homeowners covers it. In the case of a tree branch falling on your car, your car insurance's 'comprehensive' coverage would kick in (a good reason to ask your agent if you have compressive coverage on your auto policy). As always, my answers are general in nature so be sure to check your policy for coverage details.

And there you have it! If any of these apply to your life, I'd love to work with you to make sure the right coverage at a great value.

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About Greg Safford

Bringing over 15 years of insurance experience, Greg is client focused and passionate about helping individuals and businesses understand their insurance options so they are prepared for the unexpected. With so many options, Greg is dedicated to helping clients make educated decisions about protecting their assets. When not working with customers, Greg can be found hiking, fishing, or spending time with family.