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, largely in the insurance...

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UPDATED: Jul 14, 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

When your car is damaged by a fallen tree, your first course of action may be figuring out who is responsible. If the tree is on your property, then your insurance may be the one covering your loss.

If the fallen tree was on someone else’s property, then that individual may be liable if they were negligent in maintaining the tree. When negligence cannot be proven or is not the cause of the damages, then your auto insurance may help cover the loss.

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 losses.

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.

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
  • theft
  • hail damages
  • a tree that has fallen

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.


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. Compare and save today on car insurance by entering your zip code below.