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Maybe you were parked underneath a tree on a stormy night.

} Apr 19, Okay, all that is to say that liability insurance doesn’t cover you if a tree falls on your car. However, comprehensive coverage generally does.

Different states also give the government varying levels of immunity.

It’s one of the coverages that will actually protect your car. So – if you have comprehensive coverage, yes, you should be covered if a tree falls on your stumpchop.clubted Reading Time: 4 mins. Sep 17, If you only have minimum coverage on your car, your insurance likely won't cover damage caused to your car by a tree. Comprehensive coverage will repair damages to your car caused by fallen trees, plus hail damage. If you collide with a fallen tree while driving, this will be covered by your collision coverage stumpchop.clubted Reading Time: 3 mins.

Depending on the circumstances, your auto insurance may cover the cost of a tree branch falling on your car. However, if the tree branch fell from a tree on another person’s property, it may instead be covered by that property owner’s insurance.

There are also several situations where an incident would not be covered under any party’s insurance stumpchop.clubted Reading Time: 5 mins.

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