Whose insurance covers a tree falling on a car?
If I'm on someone else's property and got hurt because their tree fell on my vehicle when I was in it, am I responsible for the damage or are the homeowners?
Fault would depend on why the branch fell. If the branch became detached from the tree due to a storm, it would be covered under the homeowners policy. If it fell because you struck the tree with your vehicle and the branch fell off as a result or another likewise scenario, you might be considered liable for the damages to your vehicle through your auto insurance. This would be considered a collision or comprehensive claim, depending on the details. I would recommend contacting your insurance company first to let them about the incident.