What happens if a tree falls on your car after a windstorm?

Will my insurance cover it? The tree wasn't on my property.

Answer provided by
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Emily Maracle
Answered on Jun 22, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“For your insurance to cover the damage from the tree, you’ll need comprehensive insurance.
Comprehensive insurance provides coverage from damage done to your vehicle by a covered peril. This often includes weather related incidents like hail, flood, or windstorm damage.
As long as you have comprehensive coverage on your policy, you’ll be able to submit a claim. As with any full coverage claim, you will need to pay your deductible before your insurance will kick in.
If the damage from the tree is less than your deductible, you won’t be able to file a claim with your insurance. If it’s more than your deductible, your insurance will cover the remaining cost.
Even though the tree wasn’t on your property, you’d still need to submit a claim with your insurance. Without comprehensive, you’d need to try to negotiate with the property owner for damages.”
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