Best Answer

You will have to file a claim on your own comprehensive auto Insurance.

Homeowners insurance will not cover damages to your vehicle for two reasons

1. A property owner is not liable for an act of nature.

2. Homeowners insurance does not cover automobiles anyway,

It would be a waste of time and energy trying to file a claim against your Mother for something which she is not liable. That's what auto insurance is for.

AnswerYou should file with both. Each company may settle the claim differently. One company may total the vehicle while another may want to repair it....yes, I know you said it was totaled. You will not believe how some company will want to fix anything to save a buck. Also, the settlement amount may be different from one company than the other. You will have to pay the deductible for your auto first. Then your company will be reimbursed by the other company. You will be reimbursed for the deductible then.
User Avatar

Wiki User

10y ago
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: A tree fell onto my truck in my mothers yard and my truck was totaled. is it best to file on the homeowners or the auto insurance. I still owe on the auto will get money to get another auto?
Write your answer...
Still have questions?
magnify glass
Related questions

A tree fell onto my truck in my mothers yard and my truck was totaled. is it best to file on the homeowners or the auto insurance. i stll owe on the auto will get money to get another auto.?

You'll have to file a claim on your own Auto Insurance. Homeowners Insurance does not provide coverage for vehicles owned or non-owned and nobody is liable for an act of nature.

Do you have to pay auto insurance if your car is totaled in an accident and may not have another car for several months?

If the only insurance you have is on the totaled car, you will not be required to carry a policy on it anymore. However, it is never good to have lapses in the dates you are insured. I suggest having them to lower your insurance to the most basic your state allows and carry that until you get another car.

I have liability only and my car was totaled?

If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.

What happens if you have no insurance and you totaled your car?

you will have to pay a debt and GET CAR INSURANCE

What is the definition of totaled?

used of automobiles; completely demolished; "the insurance adjuster declared the automobile totaled"

How do you determine if vehicle is totaled when burned?

A vehicle is totaled if it cost too much to repair it. Usually, insurance companies determine whether or not a vehicle is totaled.

Is it legal for your insurance company to deny a loss for a car that was totaled?

It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage

Why would an insurance company declare a vehicle totaled?

An insurance company declares a vehicle totaled when the cost to fix the vehicle exceeds 70% or more of its market value.

What happens to a totaled car after the insurance co pays you for it?

Some insurance companies will sell the car back to the owner. Others sell the totaled car to a salvage yard.

What is the difference between full coverage auto insurance and liability only insurance?

Full coverage auto insurance covers everything. If the car is totaled they will will replace it. Liability auto insurance will only cover medical bills, and not the car if it is totaled.

Your wife is not on your auto insurance policy She has rear ended another driverand his vehicle was totaled by his insurance company What are your responsibilities?

If she was driving your vehicle, with your premission, it would fall under your insurance and they would have to pay for the other drivers vehicle

If your loaner car was totaled and you do not have insurance what should you do?

get a good will (assuming you are at fault for this loss) be require to pay for the totaled vehicle.........