The only time that comprehensive and collision might be required.

If you only carry liability coverage on your auto insurance policy, then you won't be covered if a tree falls on your car. If you have comprehensive coverage, however, your insurance can cover the damage caused by a tree, branch, or limb falling on your car, minus your deductible.

Quote &. A. Your homeowners insurance typically will not cover damage if a tree falls on your car. However, you may be able to file an auto insurance claim if you have comprehensive coverage on your car insurance policy. Comprehensive coverage typically helps pay to repair damage to your car caused by falling Estimated Reading Time: 6 mins.

If the tree that fell on your car belongs to a neighbor, in many cases, you would likely still rely on the comprehensive coverage in your auto insurance policy. But, your neighbor's homeowners insurance policy may help cover the damage if it can be proved that the tree fell due to that person's negligence. If a tree falls on your car, repairs (or replacement) could set you back thousands of bushmulch.barted Reading Time: 5 mins.

Apr 02, Comprehensive auto insurance covers your car if it is damaged by a falling tree. This is likely the insurance coverage you will be dealing with to get your car repaired. However, circumstances may change this. For example, if the tree is from a neighbor’s yard, it may be their responsibility to handle the damage to your car.

Jan 11, To recap, your auto insurance policy will pay for a fallen tree branch that damages your car, but only if you have comprehensive coverage. Comprehensive coverage pays for damage to your car that is not related to a collision. Removal of the fallen tree: Property coverage in your homeowners policy would pay for the removal of fallen trees on your property, as long as the cause of the fall was a covered peril. Depending on the policy, covered perils often include hail, ice, snow, sleet, or wind.

So basically, in the event of a Estimated Reading Time: 7 mins.