The only way your car insurance is going to cover.
However, if you hit a tree that has already fallen into the road, you may need collision coverage for the damage to be covered. The difference is that a tree falling on your car while driving is usually unavoidable, so comprehensive coverage would cover it.
Since the car made contact with the tree after it has fallen to the ground, it is no longer considered a falling object by definition.
Apr 19, Collision coverage is the coverage that can help you with getting your car back on the road ASAP. It can help cover the costs of repairing or replacing your vehicle. In this case, you hit the tree – it didn’t fall on your car. That’s the difference between collision and comprehensive shrubclean.barted Reading Time: 5 mins. does collision cover a tree falling on car