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5. Your car insurance may cover damage to your vehicle from a fallen tree. If a tree falls from your property onto your car, it’s your car insurance and not your homeowners insurance that will likely help cover the cost of repairs. But, the tree doesn’t have to be from your property.

Apr 02, In all other instances when a tree on your property hits your car, comprehensive insurance covers it. The tree is on a neighbor’s property. If a tree on a neighbor’s property falls and damages your car, they may be responsible.

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You will still file a claim with your auto insurance company. However, if it can be proven that the tree fell due to your neighbor’s negligence, their homeowners insurance should cover your claim. Sep 17, If you only have minimum coverage on your car, your insurance likely won't cover damage caused to your car by a tree. Comprehensive coverage will repair damages to your car caused by fallen trees, plus hail damage. If you collide with a fallen tree while driving, this will be covered by your collision coverage stumpfelling.clubted Reading Time: 3 mins.

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: 3 mins.

A. Your homeowners insurance 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.

What Is Comprehensive Insurance?

Comprehensive coverage typically helps pay to repair damage to your car caused by falling stumpfelling.clubted Reading Time: 6 mins. 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 car. Sep 12, If it happened as it appears to have, with the tree falling on the front end of the car, then most likely it would be covered under the comprehensive coverage on the car insurance policy, if the insured had elected and paid for this coverage.

Comprehensive (Other Than Collision) coverage covers damage to your vehicle caused by falling objects. Jan 12, If a tree falls on a car, the comprehensive coverage of the vehicle owner’s auto policy will apply. As in the examples illustrated above, generally the owner of the tree is not responsible. If your tree falls on your neighbor’s car, your neighbor’s car insurance should pay the claim if your neighbor carries comprehensive coverage.

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