Where I Found that Having Car Insurance for Trees is Necessary

I have been to Baltimore, and there are many trees there. They are in the streets, on the patios, in the parks, around buildings, and in many places that you may not even think of, such as the schools. Having been to Marietta, GA, and seeing that Marietta has many, many trees, I believed I was invincible to the whims of life. I have heard about getting car insurance, home insurance, and all these other types of insurance. I did not think much of it, instead of my home insurance, because I was not able to afford to lose a house that costs $300,000 to something out of my control.

 

Now, growing up in that area, I learned some pretty interesting things. Namely, I learned that car insurance is something that is pretty much a law if you wish to drive, because every driver wants to know that they will be able to get paid if someone hurts them or damages their vehicle. In Marietta, I learned that you need to have car insurance (like every other city), and on top of that, you were also able to have “tree insurance for your car”. Now, I thought that was one of the dumbest things a person could do. Why would I receive tree insurance for my car? What are the chances that a tree will really fall on my car? It is like those one in a million types of things; should I purchase life insurance for my 6 year daughter when I am the only one in her life? I felt like I did not.

 

Now, here is the coincidence, while I was coming back from an appointment in Atlanta and took the bus back to Marietta, there was a tree over my house (I am glad I had home insurance), and on top of my car. When calling a tree service in marietta, I got a tree care company that came really fast. Ironically, they called and asked if I had tree insurance for the house and the car. I noted that I had home insurance for my house and car insurance for my car, and that I was not familiar with “tree insurance provided separately for it”. Upon giving me a bill of $4,000 for the house and $500 for the car, I immediately called my insurance companies for the house and got “your policy is for damages planned by storm, wind, hail, fire; however, it explicitly does not cover tree falls. We are able to send you a copy of your policy right now if you like.” That is all I needed to hear to have my ears ringing. The minute I called my car insurance, I had a lump in my throat. I phoned, got someone on the phone, and got the response “You are not covered for tree falls….” Immediately, I knew what tree insurance was for my house and my car.

 

When the tree serviceman looked at me, I realized that he was asking me, “so what insurance are we billing?”. I immediately responded, “do not worry about it. The bill will be paid by me.” I never forgot the lesson as I watched my bank account go down $4500 in all of 10 minutes. After the tree was removed, I lived in a broken house and had a broken car for a few months until I racked up enough money to pay a contractor and a mechanic to fix my home and my car. Lessons learned. Now, in Baltimore, you best believe I have tree insurance for my home and my car.