A tree branch that fell down because of ice landed on the top and totaled my car. Kansas is under disaster assistance as of the day it happened. I only have liability insurance and so have no way to fix it or get money for it. Will fema provide any assistance?
2007-12-12 13:52:02 · 6 answers · asked by Joseph P 1 in Cars & Transportation ➔ Insurance & Registration
Do you know why they won't?
2007-12-12 13:58:26 · update #1
FEMA will not pay for this particular incident because it is not an emergency situation.
Besides, damage to vehicles caused by natural disasters is paid for by "comprehensive" coverage (not liability) but it sounds like you chose not to buy this coverage from your insurer.
So you will have to come up with the money yourself to repair the car.
I know this is not what you want to hear, but that's exactly why insurance companies offer comprehensive and why it pays to get it if you live in an area (like Kansas) that is prone to "severe weather."
If you can't afford expensive car repairs, then that's exactly why you should have gotten comprehensive and collision. It's easier to pay a little more in premiums each month than to cough up a couple thousands bucks all of a sudden.
2007-12-14 09:38:23 · answer #1 · answered by Veritas 7 · 0⤊ 0⤋
You can ask but I doubt it. If you wanted your car to be covered for a tree falling on it, which can happen at any time, you should have purchased comprehensive (other than collision) coverage. Why should the Government (which is really the taxpayers) pay for something you wouldn't buy coverage for yourself? By not buying the coverage, you were self-insuring any damages that happen to your vehicle. If you couldn't afford to lose your car from damages like this, you should have purchased the coverage.
FEMA comes in to help towns recover from disasters. They provide sometimes a small bit of money for homeowners (I think it is $2500). Most of the money comes from low interest loans that have to be paid back. You have to qualify for the loan.
Good luck to you but I think you will have to pay for this one yourself.
2007-12-12 22:51:07 · answer #2 · answered by Sue 6 · 1⤊ 0⤋
that's got nothing to do with your landlord - check with your car insurance company for coverage
2016-05-23 07:44:38 · answer #3 · answered by ? 3 · 0⤊ 0⤋
it does'nt sound like an emergency. I had cars flooded by the hurricanes a few years ago and they didn't cover those either.
2007-12-12 14:00:15 · answer #4 · answered by popeyethesadist 5 · 0⤊ 0⤋
NO THEY WILL NOT BECAUSE IT WOULD NOT BE CONSIDERED A DISASTER UNDER THE FEMA GUILD-LINES.
2007-12-13 00:24:41 · answer #5 · answered by Anonymous · 1⤊ 0⤋
nope....
2007-12-12 13:54:23 · answer #6 · answered by chelle B 4 · 0⤊ 0⤋