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Your comprehensive coverage limit comes into play if your car.

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.

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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 Estimated Reading Time: 5 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, In all other instances when a tree on your property hits your car, comprehensive insurance covers it.

Scenario Two: A Stranger's Tree, Your Car In this scenario, you may be able to have the owner or landlord pay for the damage with their homeowner's policy.

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 to your neighbor’s negligence, their homeowners.