A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 13, 2021

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Important facts to know...

  • If any part of a tree falls on your car, insurance may help cover the damages
  • When you own the tree and the car, then you will normally be responsible for any damages
  • Your homeowner’s policy usually does not cover this type of incident, and your auto insurance would need to pay for the damages
  • If the tree is located on someone else’s property, however, their insurance may cover the loss if it’s due to their negligence
  • In situations where negligence cannot be proven, your auto insurance will normally provide coverage

There are certain perils that occur in life that aren’t the cause of any other human. This can be true when it comes to your vehicle as well. Physical damage can happen to your car even if you haven’t been in an accident. For example, in extreme weather conditions, you may find that a tree has fallen onto your car, crushing it flat. No one pushed the tree over – so who is to blame?

When your car sustains damage by a fallen tree, your first course of action may be figuring out who is responsible before filing an insurance claim. If the tree is on your property and you have proper coverage on your auto policy, then your insurance may be the one covering your repairs, or if it’s too much damage, your loss.

If the fallen tree was on someone else’s property, then the owners of the tree may be liable if they were negligent in maintaining the tree. That could mean the property owner wasn’t taking down dead branches, or allowed it to become unstable in growth, especially if it turns out it was a completely dead tree. When negligence cannot be proven or is not the cause of the damages, then your auto insurance may help cover the cost of repairs or replacement of your vehicle.

Make sure you have the right coverage in place to protect you when you need it. Compare quotes today by using our free tool above.

Do you own the tree that has fallen on your car?

When you own the property that the tree was located on, your insurance policy will normally be responsible for covering any expense that may have arisen due to the incident.

While you may have homeowner’s insurance and auto insurance, it will normally be your auto insurance that covers losses due to a fallen tree. Specifically, if you have comprehensive insurance, which covers anything that isn’t the result of an auto accident.

In these types of incidents, your insurance provider may want to investigate the claim to determine how the fallen tree damage occurred.

If it was due to unforeseen circumstances, such as extremely strong winds that occur during a tornado, then your insurance company may not require any additional steps to settle the claim.

If the damage was due to negligence, then your insurance provider may want you to fix the problem as part of your resolution.

Due to this, it is important that you review your insurance coverage annually to see that it meets your needs. Your insurance provider can discuss what your coverage provides as well as unexpected situations you may need to protect yourself from.

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Does someone else own the tree that has fallen on your car?

If the tree responsible for damaging your car is located on someone else’s property, then you may be able to get any damages covered through the other party’s insurance policy.

In any situation where another person’s tree falls and damages your property, the insurance company will investigate liability before settling the claim.

If you have already filed a claim with your insurance provider, they may need to investigate the claim and then contact the other party’s insurance.

If they can determine the other party was negligent in their property upkeep, then your insurance company may be able to recover the loss from that insurance provider.

When your insurance company steps into settle your claim and then works to collect from the responsible party, they are engaging in a process called subrogation.

Once your insurance provider can recover the cost of your loss from the responsible party, you may even be reimbursed for any claim-related expenses you incurred.

Do you carry the right coverage to protect your car?

When trying to protect your vehicle from unexpected losses, it’s important to select policy coverage options that protect against these types of incidents. When it comes to fallen trees or tree limbs, comprehensive coverage is normally going to be the coverage option that applies.

Comprehensive coverage is often referred to as “other-than-collision” coverage, meaning this coverage option protects your car from the following:

  • fires
  • Fires
  • Theft
  • Severe storms
  • Hail damages
  • Dangerous trees

When you have a comprehensive coverage policy, if an entire tree falls on your vehicle, you wouldn’t have to pay the thousands of dollars it may cost out of pocket. From the broken windows to a popped tire, damage done by forces of nature can be extensive. Not to mention the cost of removal for the tree if it happens on your property. This coverage option normally carries a deductible, which is an amount that you are required to pay for any covered loss before any policy coverage applies.

If you do not carry this coverage on your auto insurance policy, then your insurance provider may not cover damages from a fallen tree.

It’s important to remember that although the tree may be on your property, your homeowner’s insurance policy traditionally does not cover this type of loss or any damage to your car.

What can be said in conclusion?

When a tree falls on your car, it’s important that you contact your insurance provider to plan out your next steps. If you have selected the comprehensive coverage option in your insurance policy, then you may be covered for this loss regardless of fault.

It will be up to your insurance provider to review your coverage selections to determine what policy limits apply.

If the tree was located on someone else’s property, then the loss may be covered by that person’s insurance.

Negligence is often a factor in these types of claims, which means that any claim you file will be subject to an investigation to determine if the other party is at fault or not.

Be prepared for the possibility of a tree falling on your car by having the right coverage in place. In order to do that, you may have to compare what your monthly premiums would be with a few different companies. Compare and save today on car insurance by entering your zip code below.