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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.

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 bushfelling.barted Reading Time: 4 mins. 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 02, If your car is hit by a tree, your comprehensive insurance should cover it.

But it could depend on where the tree is located. 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.