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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 & save today! If you're the owner of both the fallen tree and the vehicle, your homeowners insurance policy likely won't cover the damage to your car.

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 Estimated 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. May 23, When a tree falls on your car, your options are limited. While you may be able to submit a claim with the homeowner's insurance policy, it will depend on your company and specific policy.

The same goes for your auto insurance policy. If you do not have full or comprehensive coverage, chances are you will have to pay for the damages yourself. Apr 19, Okay, all that is to say that liability insurance doesn’t cover you if a tree falls on your car.

However, comprehensive coverage generally does. It’s one of the coverages that will actually protect your car. So – if you have comprehensive coverage, yes, you should be covered if a tree falls on your treegrind.barted Reading Time: 5 mins. Your car insurance will take care of the damage to your vehicle, while your homeowners insurance will take care of removing the actual tree from your property and cleaning up the remaining mess. If your neighbor is lacking sufficient liability coverage, however, you might not be able to collect much from them in a court setting if you wanted to sue for treegrind.barted Reading Time: 7 mins.

If a Tree Falls on Your Car, Who is At Fault? Will insurance cover you? A tree falling on your car will cause significant damage. Determining who has to pay for the damages can be more challenging than getting the car fixed.

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 Estimated Reading Time: 6 mins. Jul 08, Claims related to fallen trees were examined in a recent homeowners insurance survey of Consumer Reports members. The median amount paid by Estimated Reading Time: 5 mins.