In either case, you could sue them.
If a tree falls on both your car tree fell on my car do i file pplice report your home's roof, you would file a claim with your auto insurance for your car (assuming you have comprehensive coverage) and another claim with your homeowners insurance for the roof damage. Can I File an Insurance Claim If a Tree Falls on My Car? Yes. Regardless of the property or tree owner (neighbor, City, business, or your own), when a tree falls on your vehicle, it is an auto insurance claim covered under the policy’s “comprehensive” clause since it was the tree that hit your vehicle and not your vehicle that hit the tree.
When your neighbor's tree falls during a storm and smashes the car in your driveway, you may not be sure who's responsible for the mess. We'll tell you who's responsible and how you can make sure you're covered. Working with an independent insurance agent is the best way to get set up with the right protection in this treeclearing.barted Reading Time: 7 mins.