Does auto insurance cover tree damage?

Auto insurance covers tree damage only if you have full coverage on your vehicle which includes comprehensive and collision insurance. Full coverage average $79.58/mo. countrywide.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Nov 10, 2021

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A Concise Overview:

  • Basic liability coverage doesn’t cover tree damage. You’ll need full coverage.
  • If a tree limb falls on your vehicle, that will be covered by comprehensive coverage.
  • If you collide with a stationary tree, that damage is covered by collision.

Does auto insurance cover tree damage? It won’t be covered if you have liability only, but full coverage auto insurance will help. If you have full coverage auto insurance, you may be able to make a claim for tree damage.

If you end up colliding with a tree, that damage is covered by collision insurance. If your vehicle was just sitting in the driveway when a tree limb snapped and crushed the windshield, that’s covered by comprehensive insurance.

Make sure you have the right auto insurance that will cover tree damage. We can help. Enter your ZIP code above to get FREE auto insurance quotes from multiple insurers.

Does auto insurance cover tree damage?

What type of auto insurance do you have? Do you have the state minimum liability car insurance requirements or do you have full coverage? If you’re financing, you almost certainly have full coverage. That’s good news if a tree falls on your vehicle, as the coverage that covers this type of damage, comprehensive insurance, is included in full coverage.

This video from Erie Insurance talks about comprehensive and collision insurance coverage.

What insurance covers hitting a tree? Who pays if a tree falls on your car? What if the tree didn’t fall on your vehicle but rather, you collided with the tree? That sort of damage gets covered by collision insurance.

This table shows the average annual rates for auto insurance countrywide.

Average Annual Auto Insurance Rates by Type of Coverage
Type of Auto Insurance CoverageAnnual Average Cost
Full Coverage$954.99
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It’s certainly cheaper each month to get liability-only coverage, but your vehicle isn’t nearly as protected.

Does car insurance cover tree sap damage?

You will need to check with your auto insurer. Some auto insurance companies will consider this normal wear and tear for a vehicle that is parked outdoors, which is not covered by insurers. Others may cover it as damage to the car.

This is covered under comprehensive coverage, which is part of full coverage.


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What do you do if a tree hits your car?

Do you call the police if a tree falls on your car? What’s the process? Regardless of the situation, you should follow a few basic procedures to start the claims process:

  1. Take photos of the damage and your surroundings.
  2. Safely remove any debris that fell.
  3. Call your auto insurance agency.

Keep in mind that even if you do have full coverage, you’ll have to pay your comprehensive deductible first before your insurer will payout.

Are you worried about a tree falling on your vehicle? Make sure you have the right type of auto insurance. Enter your ZIP code below to get FREE quotes from multiple insurers.


Frequently Asked Questions: Does auto insurance cover tree damage?

#1 – Will homeowners insurance cover tree damage to a parked car?

Does house insurance cover tree damage? If you’re renting, does renters insurance cover tree damage to your car?

Unfortunately, no. The Maine Bureau of Insurance notes that this will not be covered by homeowners, and other states usually have the same policy. Your homeowners or renters might cover the contents of your vehicle if it’s stolen, but it doesn’t actually cover damage to your car.

#2 – Is your landlord responsible for tree damage to your car?

It’s highly unlikely that your landlord will be found at fault for a tree or tree limb falling on your car since that is considered an act of nature and doesn’t mean the owner of the property is negligent.

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