A Tree Fell on Your Car: Now What?
You may have questions about whether the damage to your vehicle is covered, and by whose policy, when these situations arise. If you're the owner of both the fallen tree and the vehicle, your homeowners insurance policy likely won't cover any of the damages to your car. But, if you have comprehensive coverage as part of your auto insurance policy, it would help pay for repairs or replacement, up to your car's actual cash value.
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 policy may cover the damages if it can be proved that the tree fell due to that person's negligence.