For situations like this, it's important to make sure your policy includes Comprehensive Coverage, which you can request to add here if you haven't already. If your car is hit by a tree, your comprehensive insurance can cover it.
However, if the tree is located on someone else's property, you may be able to claim your costs through their home insurance.
Comprehensive Coverage also covers:
- Natural disasters such as earthquakes, floods and hurricanes
- Theft of the entire car or parts of it
You can file a claim on the LOOP app, just select the "File a Claim" icon on the Home screen, or give our claims team a call at 1-800-659-4918, just keep in mind that the coverage you have at the time of the accident is the coverage that will apply to the claim.