Question
I cut down a big tree and it fell on my truck. Will insurance cover that?
Will my full coverage insurance cover the damage to my truck from the downed tree?
Answer
Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage. A comprehensive claim does not raise your rate as much as a collision would — about 4.35% for your first comp claim.
As a warning, they may investigate and take extra time for the claim to make sure there was no foul play. I would keep photos of the damage and try your best to document everything that happened.
If you have any questions, don't hesitate to ask.