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In this case, if the party responsible for the tree has been found.

} 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.

If you are unsure that your policy fits the criteria, speak to your insurance carrier.

But, your neighbor's homeowners insurance policy may help cover the damage if it can be proved that the tree fell Estimated Reading Time: 4 mins. Sep 17, Colliding with a tree lying on the road is considered a collision. Collision coverage will need to be listed on your car insurance policy in order for your insurance company to pay for repairs. 2  Your deductible will apply unless you have been racking up a reduced deductible with a vanishing deductible shrubchopping.clubted Reading Time: 4 mins.

Apr 02, In all other instances when a tree on your property hits your car, comprehensive insurance covers it. 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.

Compare Car Insurance Companies Compare quotes from the top car insurance companies and save.

However, if it can be proven that the tree fell due to your neighbor’s negligence, their homeowners insurance should. Sep 27, If the fallen tree or tree limb was sheer coincidence or an unpreventable act, possibly caused by a heavy wind or rainstorm, for instance, then your insurance coverage may have to settle your claim.

There are situations where your insurance provider may cover your loss first, then investigate the claim to determine if another party was at fault. A. Your homeowners insurance will not cover damage if a tree falls on your car. However, you may be able to file an auto insurance claim if you have comprehensive coverage on your car insurance policy.

Comprehensive coverage typically helps pay to repair damage to your car caused by falling shrubchopping.clubted Reading Time: 7 mins.

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