In that case, your lender may require you to purchase comprehensive.

What if the homeowner neglected to maintain a tree, and it was ready to fall down even before the storm?

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 bushremover.barted Reading Time: 5 mins. Sep 17, The only way your car insurance is going to cover a tree which has fallen on your car is by purchasing comprehensive insurance coverage before the damage occurs. Key Takeaways If you only have minimum coverage on your car, your insurance likely won't cover damage caused to your car by a bushremover.barted Reading Time: 4 mins.

Falling objects are often unavoidable, which is what makes it covered by comprehensive insurance.

Apr 02, You hit a fallen tree. If you’re the one who hits a fallen tree, collision insurance would take care of the damage to your car.

Collision insurance covers damages caused by you running into another vehicle or a static object, such as a fallen tree in this case. Like comprehensive insurance, collision coverage is supplemental insurance that you purchase as an add-on to your standard auto insurance. 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!