Will a tree falling on your car be covered under liability?

A tree fell on my grandparents car during a hurricane and they only have liability insurance. They are elderly and this is all they can afford. They don't have home owners insurance. Is there anyway that they can get the car fixed or replace?

Oct 17, 2016 Richlands, NC

Neil Richardson

Oct 17, 2016

Liability only provides coverage for damage you cause to other property so they would need their auto policy to include comprehensive coverage for the damage from the tree to be covered, unfortunately. They should contact their insurance company to see if, by chance, that was included, but if you know for a fact that their policy only included liability then they would have to pay for the damage out of pocket. Sorry to hear about the tough situation.

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