Does insurance cover if a piece falls from the plane onto your car?
Insurance coverage for damage caused by a piece falling from a plane onto a car can vary depending on the specific circumstances and the type of insurance coverage the car owner has. In general, there are two types of insurance coverage that may apply in this situation: comprehensive coverage and liability coverage.
Comprehensive coverage is an optional type of insurance that provides protection against damage to a car that is not caused by a collision with another vehicle. It typically covers damage caused by falling objects, such as tree branches, hail, or debris. If a piece falls from a plane and damages a car, comprehensive coverage may apply to cover the cost of repairs or replacement.
However, it is important to note that comprehensive coverage usually comes with a deductible, which is the amount the car owner must pay out of pocket before the insurance coverage kicks in. The deductible amount can vary depending on the insurance policy, and the car owner will be responsible for paying this deductible before the insurance company covers the remaining cost of the damage.
On the other hand, liability coverage is a type of insurance that covers damage caused by the insured person to someone else’s property or injuries to others in an accident. If a piece falls from a plane and damages another person’s car, the liability coverage of the plane owner’s insurance policy may come into play. The car owner can file a claim with the plane owner’s insurance company to seek compensation for the damage caused.
However, liability coverage may not apply if the piece that fell from the plane was not directly caused by the plane owner’s negligence or if the car owner cannot prove that the damage was caused by the plane. In such cases, the car owner may need to rely on their own comprehensive coverage or explore other legal options to seek compensation for the damage.
It is important for car owners to review their insurance policies carefully to understand the specific coverage and limitations. Some insurance policies may have exclusions for certain types of damage, such as damage caused by acts of war or terrorism. Additionally, insurance companies may require the car owner to provide evidence of the damage and its cause, such as photographs or witness statements.
In summary, whether insurance covers damage caused by a piece falling from a plane onto a car depends on the type of insurance coverage the car owner has and the specific circumstances of the incident. Comprehensive coverage may apply to cover the cost of repairs or replacement, subject to the deductible amount. Liability coverage of the plane owner’s insurance policy may also come into play if the car owner can prove that the damage was caused by the plane owner’s negligence. It is important for car owners to review their insurance policies and consult with their insurance providers to understand their coverage in such situations.