Under a forest canopy the damage to a parked car often arrives from above. Falling limbs, snow loading and a tree coming down are not collisions, and the cover that answers is the one drivers drop first.
A tree or limb falling on your car is comprehensive. If you dropped comprehensive, nothing responds.
Three things about damage that is nobody’s fault.
A limb coming down on a parked car is comprehensive, the same category as hail, fire and theft. Drivers who carry collision but dropped comprehensive to save money on an older vehicle have no cover for the most likely damage event in a forest town.
A healthy tree that comes down in a storm is generally an act of nature rather than negligence, so a claim against the tree’s owner typically fails. The exception is a tree known to be dead or dangerous and left standing. Absent that, it is your own comprehensive cover that responds.
Damage does not only happen during a storm. Loaded branches fail hours or days afterwards, often onto whatever was parked underneath. Where a vehicle habitually sits matters as much as how it is driven.
Cover for a parked car.
It is the one that answers here and the one people drop.
Worth choosing deliberately where this is a likely claim.
Under a canopy is a different risk from a clear drive.
Tell us where each vehicle parks overnight and whether comprehensive is on all of them.
