If your vehicle was damaged by falling debris, you might be wondering how you will get the damages taken care of. If you have full coverage auto insurance coverage, which is also called comprehensive coverage, your vehicle’s damages are covered by your own policy.
Fallen debris can cause hundreds of dollars or even thousands of dollars of damage to a vehicle.
For example, a falling tree or tree limb, a rock falling from a mountainside or a mudslide alongside the road could all cause falling debris that will damage a vehicle and sometimes even render it inoperable.
Collect Evidence to Support Your Claim
You will need to file an accident report. To do this, call the police. The police will come out, verify the details and write up a report. Take photos of the accident scene and the damage to verify your claim.
Also, if there are any witnesses, you will need to make sure they provide you with written statements and include their names and contact details. You should take note of any injuries that were suffered by passengers in your vehicle. Keep copies of any medical bills, medical records, and document any missed work and lost wages.
You could suffer various damages, such as property damages, medical expenses, lost wages, pain and suffering, loss of consortium, loss of enjoyment of life, mental trauma, and so forth.
Determine the Nature of the Fallen Debris
Sometimes fallen debris could be from a large truck or related to a construction project. In such cases, there might be another party that is liable for your damages. If a tree was not properly trimmed and the limbs fell onto your passing vehicle, the property owner might be liable for your damages.
At other times, it might just be the result of nature, such as storm or the wind. You will need to enlist the help of a personal injury lawyer who will investigate your accident and determine liability for your damages.
Regardless of whose insurance should cover your expenses, an accident injury lawyer will help you recover compensation to cover the costs of your losses after the fallen debris damaged your car.
Consult with a Personal Injury Lawyer After Fallen Debris Damaged Your Car
If you need to get a claim approved for fallen debris damaging your car, you should consult with a personal injury lawyer who is familiar with handling such cases. Personal injury lawyers work on a contingency basis, so you don’t have to worry about paying anything upfront or out of pocket. Your lawyer will not be paid until you get a settlement or judgment.
Complete the Free Case Evaluation Form on this page to have your details shared with a personal injury lawyer in your area. The lawyer will review your case and determine the best way to proceed with your claim. A strict statute of limitations applies, so time is of the essence.