McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Yes, comprehensive insurance does cover tree falling on car. If a tree falls on your car because you drove into it, though, your comprehensive insurance will not cover the claim. That can be covered by a collision insurance policy instead.
Comprehensive car insurance covers any sort of damage caused by things that are not related to an accident, sometimes called “acts of god,” including damage caused by storms or natural disasters.
What Comprehensive Insurance Covers
| Covered | Not Covered |
| Theft and vandalism | Collision with another car or object |
| Flood, fire, or natural disaster damage | Damage caused by the road surface, like potholes |
| Animal damage | Roadside assistance, towing, and jump starts |
| Glass damage | Rental car expenses after an accident |
Comprehensive insurance is subject to a deductible, so it may not always be worth filing a claim. If repairs for the damage from a tree falling on your car would cost less than or a similar amount as your deductible, it may be better to just pay out of pocket.
It’s also worth noting that even though a comprehensive claim may not affect your insurance rates as much as things like at-fault accidents, you still may see a slight change in your premium after a comprehensive claim.
To learn more, check out WalletHub’s guide to comprehensive insurance.
People also ask
Does car insurance cover tree damage?
Yes, car insurance covers tree damage if the damage was caused by something other than a car accident and the policyholder has comprehensive insurance. Comprehensive coverage pays to repair or replace a car that was damaged by something besides a crash, such as a natural disaster, an animal, or vandalism.
... read full answershow lessIs it better to have comprehensive or collision?
It is better to have comprehensive insurance than collision insurance, if you need to choose between the two. Comprehensive coverage is inexpensive, can be purchased alone, and pays for damage due to events beyond your control, such as vandalism, theft, natural disasters or run-ins with animals.
On the other hand,... read full answer
show lessIs hitting a tree comprehensive or collision?
Hitting a tree is covered by collision insurance, which pays to repair or replace the policyholder’s car after a crash, regardless of fault. If you file a collision claim after hitting a tree, you will be required to pay a predetermined deductible, which is usually between $100 and $1,000.
On... read full answer
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