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Mustafa Mohammad.

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.

You will still file a claim with your auto insurance company. However, if it can be proven that the tree fell due. May 17, The situation like a tree falling on the car due to the storm is covered under a comprehensive motor insurance policy, says, Sanjay Saxena, Head – Motor Underwriting and Motor Claim Estimated Reading Time: 3 mins. 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.

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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 shrubtrim.buzzted Reading Time: 5 mins. Sep 17, Insurance Claims When a Tree Falls on Your Car Either way, the result is just as unpleasant: if a tree falls on your car, it is definitely not good news. If you recently encountered a tree smashing your car, you are probably wondering if your insurance is going to cover the damages.

If you have your state’s minimum coverage, you are Estimated Reading Time: 4 mins. Sep 27, If a tree falls on my car, does insurance cover it? Comprehensive car insurance covers falling trees. If you carry basic liability or collision coverage only, your car insurance will not cover a falling tree.

You need comprehensive coverage to protect you from non-collision accidents, including falling trees and other weather-related damages.