What Insurance Covers a Tree Falling on Your Car?


Collision Coverage and Comprehensive Coverage Insurance Covers when a Tree Falls on your Car.

If you’re like most people, you probably don’t know for sure whether your car insurance covers tree damage. But after reading this post, you’ll have the answer! Spoiler alert: they typically do not cover tree damage. You see, car insurance policies tend to have what is called an “exclusion” clause in them. This means that if you have a claim on your policy and the damage is listed in the exclusion clause, you won’t be paid out for that claim. And tree damage typically falls under this category.

Also, Read;

The Coverage You Are Likely Going to Need

What Insurance Covers is a Tree Falling on your Car
Insurance for Tree Falling On the Car

What kind of coverage are you probably going to need?

The answer is collision coverage and comprehensive coverage. You see, collision coverage will cover the cost of repairing or replacing your vehicle if an accident has occurred. Comprehensive coverage, on the other hand, will cover all other kinds of physical damage to your cars such as scratches, dents, and even rust. Both types of coverage are mandatory in order to have adequate insurance coverage.

Insurance Claims When a Tree Falls on Your Car?

If your life were a Nicholas Spark novel, you’d have caused the tree to fall. But no matter how hard you try, your car will never become a part of Katie McGarry’s “The Outsiders”. So what are you supposed to do now?

The answer is to call your insurance company and file an insurance claim. This article will go over what this process entails, as well as how much it should cost you depending on the type of insurance that both you and your property are covered by.

For the purposes of this article, we will use a scenario where you had comprehensive and collision coverage. You were in an accident with a non-owner occupied car and were found to have no fault.

After filing a police report, you start the process by calling your auto insurance company, who immediately ask that you get estimates to fix your car. The best way to get estimates is to take pictures of the damage and send them to mechanics via text or email. An easier route would be to print out your car’s VIN and bring it with you. Mechanics can then enter it into an online estimating system and send you an estimate right then and there.

Now that you have the estimates, put together a list of the damage to your vehicle, including deductibles and other costs/expenses involved in fixing the car.

Who covers a tree falling on the car?

If a fallen tree damages a car, the owner of the property on which the tree fell is generally liable for any damages.

In general, Oklahoma law states that if a person’s property causes injury to another person or damage to that person’s property, then that person is liable to pay for the damages. In this case, if a fallen tree damages your car or another valuable piece of personal property while it rests on your property, you will need to call in an experienced attorney.

Does insurance cover your car if a tree falls on it?

Yes, Comprehensive Coverage Insurance Covers when a Tree Falls on your Car.


We hope you enjoyed our blog post on the difference between comprehensive and collision coverage. Trees don’t usually fall on cars and we know that it is hard to know what would happen in the case of a tree falling on your car.

Luckily, both types of coverage are available and offer the same level of coverage in the case of a tree falling on your car. Additionally, tree branches are covered under both types of coverage and many other events, so you don’t have to worry about a big tree breaking your windshield in order to make a claim! If you have any further questions, please do not hesitate to reach out to our team by visiting the Contact us form.


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