Does Comprehensive Insurance Cover Damage from Falling Objects?

Yes, usually, a comprehensive car insurance plan covers damage from falling objects such as trees, debris, construction materials, or even parts of buildings. Comprehensive car insurance accounts for over 35% of all motor policies sold in India. This protection is one of the key benefits of opting for a comprehensive car insurance plan over a basic third-party or collision-only policy. 

In this article, we will explore how comprehensive insurance works in such cases, what’s included and excluded, real-world examples, claim procedures, and some useful tips to protect your car from damage. 

The term “falling objects” refers to anything not attached to the ground that might fall on your vehicle, causing damage. These include:

According to policy documentation of different insurance providers, damage due to such objects is usually covered under their comprehensive car insurance, provided it is not due to negligence or intentional action.

For instance, during the 2023 monsoons, Mumbai recorded over 100 incidents of trees falling and damaging parked vehicles. In such cases, those with comprehensive coverage were able to claim the full repair costs.

The majority of comprehensive car insurance policies will cover a broad range of damages caused by falling objects. Here is what is generally covered:

Remember that the precise coverage details can differ according to the insurer's terms and conditions. It is crucial to read the policy inclusions and exclusions carefully before buying or renewing your car insurance. 

Always ask what is considered a falling object and in what situation a claim can be denied to protect yourself from surprises in case of emergencies.

Cars getting damaged by falling objects like a tree or a pole is a rare thing to happen. However, a single instance can cause significant damage to your car, and at times, even total loss. Here is how you can keep it safe:

Overall, comprehensive car insurance covers damage from falling objects like trees, but the claim process may vary based on ownership. If a government-owned tree caused the damage, compensation might come from civic authorities. In all cases, ensure you document the incident thoroughly with photos, videos, and timely reports to support your insurance claim effectively.