If a tree falls on your car...

Since I work from home, I'd say my car is generally parked at my apartment building an average of about 23 hours / day (95.8% of the time). Normally my car would have been nestled right back in the corner of the right-hand spot in the picture below.

It just so happened that yesterday when the lightning storm hit, I was out at a networking event that ran late. Looks like that event saved me from a significant insurance claim!