Parking a car outside can result in unexpected damages to the vehicle, especially if your daughter’s car is parked on the street or is near a tree. When the cold weather causes a tree to fall on a vehicle, the damages to the car may or may not be covered under an auto insurance policy in Lafayette, Colorado.
The Policy She Purchased
If your daughter’s car was damaged from a tree falling on it, then it is important to review and consider the policy that she purchased for the vehicle. A liability plan will not usually include any options to pay for damages to a personal vehicle, so she may not have coverage if she has the state minimum insurance for liability and personal protection.
On the other hand, if she purchased a comprehensive policy, then she may be covered if a tree fell on her vehicle.
Never assume that she is covered just because she purchased a comprehensive auto policy. Read the section related to clauses and exceptions to ensure that she does have protection against the specific situation.
Some insurers may not cover fallen trees or similar objects in their basic comprehensive policy. As a result, it may be necessary to purchase additional protection for the vehicle in case certain situations that are not covered in the basic plan occur.
It can be problematic when a vehicle is damaged while it is parked on the street or in a parking lot. Depending on the situation, the auto policy and the extent of the damage to her car, your daughter may or may not have coverage available. Contact the 1st American Insurance Agency to talk to an independent agent for more information.