If a Tree Falls... Who Should File a Claim? A Tree on your property damages your house Your homeowner's policy should cover the cost to remove the tree and repairing the damage to your house. A Tree blows over in a storm and damages your car in the driveway If you have comprehensive coverage on your car insurance policy, it should cover the damage to your vehicle minus your deductible. A tree on your property falls and damages your neighbor's house or car Your neighbor should
Short Answer: Probably Not Policy Territory Typically, most Personal Auto Policies only apply coverage for accidents and losses within the policy territory. The territory often specified by the policy is: - the United States, its territories, or possessions - Puerto Rico - Canada Outside of the above, there is no coverage. It might be a good idea to purchase coverage from the rental car company. What About Mexico? This includes if you are driving from California to Mexico.