A tree jump down an my vehicel during a storm who pays auto or homeowner insurance?

Answers: AUTO! autos are excluded from ho policies Source(s): agent
Auto Auto Auto!

If it was your tree and it fell on your motor, it would totally be your automobile policy. Your comprehensive coverage would pick this up, provided that you have this coverage.

If your neighbor's tree fell on your car, your auto policy would still be the one to settle. They call this scenario an "Act of God." A homeowners insurance policy would not cover such a claim, as you are not liable for your trees. However, prior to the tree falling, if you notified your neighbor numerous times and provided a Certified Letter notification of potential danger from their tree that needed to be trimmed or removed, then their homeowners insurance policy could be held responsible.
Who owns the tree? If it's in your yard, your auto policy covers it beneath comprehensive, which covers acts of nature (like storms). If it's not your tree, close to say, it's on your neighbor's lot and fell across onto your car which be parked on your lots, then THEIR homeowner's pays it.
The auto is primary. The with the sole purpose way HO would pay is if it be not your tree (making you a third party claimant) and the tree was not athletic.

Your HO will never pay for damage to your auto. The other people HO would only pay if it be determined the tree was not healthy and the homeowner neglected to protection for it.
Assuming you have comprehensive coverage on your saloon, it will pay for the damage cause by the tree. If the tree is not your tree but your neighbors and you can prove they were negligent contained by the upkeep/maintenance of the tree, their HO policy will reimburse your auto insurance for the damages. If it's your tree, too bad--you can not recover from yourself in a situation close to this.
Homeowners never pays damage to you auto. You can claim this damage underneath your auto policy. Source(s): Insurance Broker (Puerto Rico)
Homeowners policies NEVER EVER EVER pay for pull to cars.

You'll have to file a claim beneath the comprehensive section of the auto policy - that's what covers "falling objects". Source(s): agent, 21+ years
Comprehensive coverage under the auto policy will foot for the damages. Vehicles are never covered under your own homeowners policy. Source(s): Agent 25 years
If you have comprehensive coverage on your auto policy, it would pay for the damages smaller quantity your deductible. Source(s): Statewide Insurance, LLC
insuringflorida.com
The question that requirements to be answered, and should have been asked by those who are supposed to be contained by the know, is who owns the tree. If the tree belongs to you, your Homeonwer's policy will not cover the damage. Your auto will pay if you hold Comprehensive coverage. If you don't, then you are out of luck. If the tree does not belong to you, you can sue the property owner, and their Homeowner's policy will respond under the Liability portion. Liability below a Homeowner's policy covers Personal and Premises liability, and this portion does NOT exclude damage to automobiles.
Auto.

If you didn't own the tree, your auto insurance will try to collect back from the tree owner.
The homeowners insurance first, then the auto insurance if it is not covered (minus the deductible of course).

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