Am I Covered if a Tree Falls on My Car While it's Parked?

Comprehensive Coverage, is designed for just such a situation. Comprehensive Coverage applies when a car's been damaged by either a natural or civil disturbance (such as a hail storm, a falling tree, or an act of vandalism). Comprehensive Coverage also covers damage such as a broken window or windshield, as well as any damage sustained if you accidentally hit an animal while driving.

If you've included Comprehensive Coverage on your auto insurance policy, you'll be protected from the repair costs once you've paid your deductible. (Or, depending on the damage, you'll be paid the actual cash value of your car if it's deemed a total loss.)