If a tree falls on a car should the owner of the tree be surcharged for damages on the car? Can insurance pay?

Or is it that his tree fell on his own car and now wants help with repairs?

A tree falls on the car.

If a tree falls on a car, the comprehensive coverage of the vehicle owner’s auto policy will apply. As in the examples illustrated above, generally the owner of the tree is not responsible. If your tree falls on your neighbor’s car, your neighbor’s car insurance should pay the claim if your neighbor carries comprehensive coverage. If your neighbor’s tree falls on your car, your comprehensive coverage applies.

The problem is that comprehensive coverage on an auto insurance policy can be waived, and many drivers opt to decline this important protection in order to save money. So, if you have car insurance, but you don’t buy comprehensive coverage as part of your policy, the damage from a falling tree or branch would not be covered.