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Auto Insurance Question from Battle Creek, Michigan
Answer given on December 4, 2018
If your tree fell on your car, the insurance coverage will be from your car insurance. Had the tree belonged to a neighbor, then their homeowner insurance probably would have covered your car. However, in either event, if the car is considered a total loss, then the insurance company would have handled the claim in a similar manner.
Even if you had a way to help through your homeowner insurance, the settlement would not have changed. You should proceed with the claim through your auto insurance company and hope for the best. If they do declare it a total, you can then find out how "under water" you are on the loan. Sometimes lenders will transfer the remaining balance to a replacement car, especially if you got the loan through the automobile company (GM, Toyota, ect). Talk to them once you know how much settlement you will receive from the insurance company. Remember, your deductible will apply.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
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