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If a tree falls on both your car and 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.

Your car insurance will take care of the damage to your vehicle, while your homeowners insurance will take care of removing the actual tree from your property and cleaning up the remaining 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 bushlopping.barted Reading Time: 7 mins.