Will the insurance company compensate if a tree falls and damages the car?

[VanMarcus]

It depends on the specific situation, as detailed below: 1. If a car parked on the side of the road is damaged by a falling tree and the owner does not have collision insurance: The landscaping department insures every tree along the road. If a citizen's car is damaged or scratched by a tree on the roadside, the owner can bring relevant documents to the landscaping department for registration and may eventually receive 95% compensation. 2. If a car parked on the side of the road is damaged by a falling tree and the owner has collision insurance: If the owner's car is hit by a tree due to strong winds, the insurance company can provide up to 70% compensation, while the remaining 30% can be claimed from the landscaping department or the responsible authority for the tree. Alternatively, compensation can be sought as described in the first scenario. 3. If a car is damaged by a falling tree within a residential area and the owner does not have collision insurance: If the car is damaged by a tree within a residential area, the owner should first contact the property management or community to identify the responsible party for the tree and negotiate a solution.