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Legal precedents also influence how these definitions are applied. In some cases, courts have ruled that if a tree falls on a car due to negligence on the part of another party—such as poor tree maintenance by a neighbor—the liability insurance might cover the damages. However, if the fall is entirely due to natural causes without any human error, liability coverage is unlikely to apply. This distinction underscores the need for a comprehensive understanding of both policy terms and relevant laws.
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