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When you drive with quality coverage, you drive with peace of mind.

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.

This coverage is important because an insurance check from comprehensive coverage alone may not be enough replace a brand-new vehicle of the same make and model remember, comprehensive coverage pays only up to a car's depreciated value.

But, your neighbor's homeowners insurance policy may help cover the damage if it can be proved that the tree fell Estimated Reading Time: 4 mins. Sep 27, If any portion of a tree breaks off or falls over and damages your car, then your insurance policy may cover the loss. Your homeowner’s insurance coverage will not normally cover this loss, meaning you will need to have active car insurance with the proper coverage.

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 shrubfalling.clubted Reading Time: 4 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. 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. Comprehensive coverage typically helps pay to repair damage to your car caused by falling shrubfalling.clubted Reading Time: 7 mins.

Jun 24, All of the above factors apply if the tree that falls on your property originates in a neighbor’s yard, although your insurer may ask the neighbor’s insurance company to cover the damages. If the tree is on your property, but damages a neighbor’s home, the reverse would also be true. An additional exclusion applies if a tree falls on your car. Your homeowners insurance won’t cover this damage, but your auto insurance might - if you have comprehensive coverage on the car.

What happens if a tree on my property falls on my car? Does my homeowners insurance cover that damage? No, your homeowners policy wouldn’t cover the damage to your automobile. In this case, you’d need to file a claim with your auto insurance. Whether that is covered would depend on if you have purchased comprehensive coverage on your auto policy, subject to policy terms and exclusions.

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