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Tree vs PriusC

Discussion in 'Prius c Main Forum' started by AliIzad, Oct 6, 2013.

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  1. AliIzad

    AliIzad Member

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    We have had some pretty good Santa Ana winds around here for the last few days. On Friday night, I heard some very loud snapping and cracking sounds coming from out front so I went out to see where it was coming from. As I reached the driveway, I looked up and saw half of our tree coming down on top of me. I barely got out of the way, but my C was not as lucky. I guess it could have been worse as I usually park further under our tree. The rear bumper, hatch, left tail light, roof, and sides all have damage; the right tail light is completely blown out. Have already called the home owners insurance and the SOB's are telling me that I'm SOL because it's an "act of God". I'll be calling my auto insurance tomorrow. Oh well, life goes on. Anybody know anything about insurance and "acts of God/nature, I'm all ears.
     

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    #1 AliIzad, Oct 6, 2013
  2. KYBlue

    KYBlue Active Member

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    Ouch! Good luck, glad no one got hurt.

    C
     
    #2 KYBlue, Oct 6, 2013
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  3. bisco

    bisco cookie crumbler

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    oh, my prius!:eek: sorry man, all the best with the repairs.(y)
     
    #3 bisco, Oct 6, 2013
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  4. xliderider

    xliderider Senior Member

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    It would fall under comprehensive insurance. Pardon the pun. ;)

    SCH-I535 now Free
     
    #4 xliderider, Oct 6, 2013
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  5. AliIzad

    AliIzad Member

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    Thanks bisco.
     
    #5 AliIzad, Oct 6, 2013
  6. AliIzad

    AliIzad Member

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    xliderider, good to know. Luckily I have a great policy and a comprehensive claim should not affect my premium. Great pun by the way.(y)
     
    #6 AliIzad, Oct 6, 2013
  7. TatumRob

    TatumRob Junior Member

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    A similar thing happened to me in Florida, I was required to take out an additional hurricane policy on top of my auto insurance due to the likelihood of damage to the vehicle associated with a tropical storm or hurricane. Two months later a hurricane uprooted a palm tree and it landed on the roof of my car. In my case the additional insurance paid for my car, otherwise without the hurricane policy I would not have been covered. According to my insurance this was consider "An act of god or nature", I realize your situation did not involve a hurricane but hopefully your auto insurance will be able to help you!!

    Good luck!!
     
    #7 TatumRob, Oct 6, 2013
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  8. AliIzad

    AliIzad Member

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    Thanks KYBlue. I'm pretty lucky. Got hit with by a few limbs, but not a scratch.
     
    #8 AliIzad, Oct 6, 2013
  9. AliIzad

    AliIzad Member

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    Thanks TatumRob. Crossing my fingers.
     
    #9 AliIzad, Oct 6, 2013
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  10. TatumRob

    TatumRob Junior Member

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    I think you'll be fine!!
     
    #10 TatumRob, Oct 6, 2013
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  11. tk1971

    tk1971 Active Member

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    Wow, and I thought the winds were strong in Rancho Cucamonga...

    Some metallic object hit the lower side of my door while I was on the freeway due to the wind (I believe). I lost a bit of paint from it. Repairs will be just under the deductible, so it will be out of pocket for me.

    Good luck with yours.
     
    #11 tk1971, Oct 6, 2013
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  12. ftl

    ftl Explicator

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    That's standard coverage - homeowner's insurance would pay for damage to your house or any structures (garage, shed, fence, etc.), but any damage to a vehicle is covered only by auto insurance. As you have comprehensive coverage, you'll be fine except for the deductible.
     
    #12 ftl, Oct 6, 2013
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  13. vernon birdman

    vernon birdman Active Member

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    I am an insurance underwriter. You are covered under your auto insurance.
     
    #13 vernon birdman, Oct 7, 2013
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  14. AliIzad

    AliIzad Member

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    Thanks vernon birdman, I feel better already. I'll be calling them today or tomorrow.
     
    #14 AliIzad, Oct 7, 2013
  15. AliIzad

    AliIzad Member

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    Good to know,. Thanks ftl.
     
    #15 AliIzad, Oct 7, 2013
  16. AliIzad

    AliIzad Member

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    Bummer. Glad you're OK.
     
    #16 AliIzad, Oct 7, 2013
  17. mahout

    mahout Active Member

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    Don't know about your policy but mine treated damage to my cars like damage to house; got reimburesed for repairs to all Mine was hurricane Hugo.Most policies spefically identify 'acts of God' so check yours.
    About that damage; I will be very surprised if your auto policy doesn't cover your damage but then I suspect it will be labellerd 'total loss' so start looking for replacement.
    good luck.
     
    #17 mahout, Oct 7, 2013
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  18. xliderider

    xliderider Senior Member

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    Total loss? I don't think so.
     
    #18 xliderider, Oct 7, 2013
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  19. SwhitePC

    SwhitePC Active Member

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    hopefully you have the right insurance coverage and get it fixed =D

    and I avoid trees due to birds and random wraiths of god
     
    #19 SwhitePC, Oct 7, 2013
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  20. B2FiNiTY

    B2FiNiTY Active Member

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    glad you and your family were okay
     
    #20 B2FiNiTY, Oct 7, 2013
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