# Who do you call to remove a tree from a car-need answer fast! **URL:** \ **Category:** In My Humble Opinion\ **Created:** [December 15, 2016, 7:10pm UTC](https://boards.straightdope.com/t/who-do-you-call-to-remove-a-tree-from-a-car-need-answer-fast/774799 "2016-12-15T19:10:23Z")\ **Posts on this page:** 3\ **Page:** 2
**Author:** ![LSLGuy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/lslguy/32/5813_2.png) [@LSLGuy](https://boards.straightdope.com/u/LSLGuy)\ **Post date:** [December 17, 2016, 1:56pm UTC](https://boards.straightdope.com/t/who-do-you-call-to-remove-a-tree-from-a-car-need-answer-fast/774799/21 "2016-12-17T13:56:42Z")
> [@jtur88](#): > > Isn’t it interesting that, in my state, I cannot legally drive an automobile unless I enter into a binding contract that acknowledges the existence of an acting and liable God? How is that church/state controversy coming along? > [@Doctor\_Jackson](#): > > Besides what **LSLGuy** said, remind me again to which branch of government car insurance companies belong. Beyond what **muldoonthief** said just above, in most states you are under no obligation to buy car liability insurance. You have the option instead to post a bond with the relevant regulator. Which bond has no deity attached. ---
**Author:** ![Hey\_Hey\_Paula](https://avatars.discourse-cdn.com/v4/letter/h/85e7bf/32.png) [@Hey\_Hey\_Paula](https://boards.straightdope.com/u/Hey_Hey_Paula)\ **Post date:** [December 17, 2016, 4:34pm UTC](https://boards.straightdope.com/t/who-do-you-call-to-remove-a-tree-from-a-car-need-answer-fast/774799/22 "2016-12-17T16:34:50Z")
> [@muldoonthief](#): > > Most states require a minimum level of car insurance to be allowed to register a car. Whether all of the insurance companies which offer insurance in those states have the phrase “Act of God” in their policies I have no idea. > > As an aside, my sister’s car was badly damaged when a wooden fence outside a construction area fell on it. No storm or high winds, it just fell. The adjuster tried to claim “Act of God”, which was utterly ridiculous. Thankfully our uncle was also her insurance agent; he wrote an awesome email that blasted the adjuster and got her full coverage. The sentence I remember was “God may make trees grow, but I’m certain that Clemens Construction did a terrible job when they put up that fence.” In my state, while there is a minimum level of car insurance required to be able to register a car, that’s only liability insurance, to cover damage caused to other people or things caused by the car. The state doesn’t require comprehensive/collision insurance to cover damage to the car itself (though if there is a car loan the lender will require that coverage). Many people with fully paid for, older cars will drop the comprehensive/collision coverage to save money. I hadn’t gotten around to doing so before my 14 year old car was squashed by the tree, so my insurance company took care of it. e ---
**Author:** ![Doctor\_Jackson](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/doctor_jackson/32/32_2.png) [@Doctor\_Jackson](https://boards.straightdope.com/u/Doctor_Jackson)\ **Post date:** [December 19, 2016, 2:51pm UTC](https://boards.straightdope.com/t/who-do-you-call-to-remove-a-tree-from-a-car-need-answer-fast/774799/23 "2016-12-19T14:51:21Z")
> [@muldoonthief](#): > > Most states require a minimum level of car insurance to be allowed to register a car. Whether all of the insurance companies which offer insurance in those states have the phrase “Act of God” in their policies I have no idea. > > As an aside, my sister’s car was badly damaged when a wooden fence outside a construction area fell on it. No storm or high winds, it just fell. The adjuster tried to claim “Act of God”, which was utterly ridiculous. Thankfully our uncle was also her insurance agent; he wrote an awesome email that blasted the adjuster and got her full coverage. The sentence I remember was “God may make trees grow, but I’m certain that Clemens Construction did a terrible job when they put up that fence.” > [@LSLGuy](#): > > Beyond what **muldoonthief** said just above, in most states you are under no obligation to buy car liability insurance. You have the option instead to post a bond with the relevant regulator. Which bond has no deity attached. Sorry if I wasn’t clear, but my point was that church/state does not apply to private insurance companies. They can call it an act of God/Allah/Cthulhu/FSM/nature or anything else they please, so long as the meaning is clear enough to pass legal muster. [Previous page](https://boards.straightdope.com/t/who-do-you-call-to-remove-a-tree-from-a-car-need-answer-fast/774799.md?page=1)