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If you only carry liability coverage on your auto insurance policy, then you won't be covered if a tree falls on your car. If you have comprehensive coverage, however, your insurance can cover the damage caused by a tree, branch, or limb falling on your car, minus your deductible. Quote &. 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. Is my car insured if a tree falls on it 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 treeclearing.barted Reading Time: 4 mins. 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.