What Should You Do If a Tree Falls on Your Car?

A tree falling on your car isn’t something most people expect, but it can happen with little warning. In Anthony, TX, where wind, drought or summer monsoons can weaken trees, these situations are possible. If they do happen, it helps to know how your auto insurance fits into the picture.

Immediate Steps to Take

Start by checking for safety hazards. If power lines are involved or the tree is blocking public roads, contact emergency services right away. Otherwise, take photos of the damage and the surrounding area before moving anything. This visual record will help support your claim and provide helpful context for your insurance adjuster.

How Insurance Responds to Tree Damage

Damage from falling trees and branches is usually covered under comprehensive coverage. This part of your auto policy applies to incidents other than collisions, such as weather-related damage, vandalism, and falling objects. If you only carry liability insurance, tree damage wouldn’t be included since liability does not cover your accident or incident-related expenses.

If you have comprehensive coverage, you will pay your deductible, and your insurer will determine whether to repair the vehicle or declare it a total loss based on the severity of the damage. If it turns out the tree came from a neighbor’s yard and there’s evidence of neglect or unresolved maintenance issues, their homeowners policy might still come into play—but these cases often take time to resolve.

Learn More

Pan American Insurance in Anthony, TX, can help you better understand how your auto coverage applies to unpredictable situations like tree damage. If you’re unsure whether your current policy includes comprehensive protection, now may be a good time to explore your options before storm season.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.