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A falling object strikes the hood of your car. You have no idea why it happened. Yet, the large dent in your hood means you need to pay a significant amount for repairs. Will your auto insurance help you? Falling objects are a type of commonly-covered repair, but there are a few limitations here.

What Is a Falling Object?

It sounds simple enough, but many people wonder what falls under coverage for a falling object. There are many things that may have coverage. Most of the time, anything that falls and strikes the roof or the top of the car falls in this area of coverage. This may include:

  • A tree branch falling on the car
  • Something falling from a bridge, such as a stone
  • An object falling from the sky dropped by an animal
  • Falling rocks
  • Items falling off a car traveling in front of you

If you are unsure if the object is something that qualifies for car insurance, contact your agent. He or she can help you determine if your policy offers coverage for your loss.

How to File an Auto Insurance Claim

The first step is not to move the car. Your insurance agent needs to see what happened and how it happened. Let’s say you throw something out of the window of your home and it damages the hood of your car. Perhaps you are remodeling and missed the dumpster, for example. In an instance like this, the insurance company may not cover the damage. If considered reckless behavior caused by yourself, it may not.

However, most often, tree branches or other falling objects have coverage. Nevertheless, the agent needs photos to see what happened. Be sure to provide clear information on the extent of the damage. Your agent will then determine if you have coverage based on your policy including:

  • If there is a deductible you must cover first
  • If falling objects coverage is available to you (it may be through a comprehensive auto insurance policy)
  • How much coverage is available

From there, the agent can process your claim, get estimates for the work necessary, and help to get your car back in good condition.

Sometimes, there can be limitations to the process. This may be the case if you have a collector’s vehicle that is not easy to repair. If the damage is significant, or the engine also has damage, your insurer may even total the car.

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Posted 1:09 PM

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