If a neighbor's tree falls on my car?

Answer 1

This is the same situation as in the house question. If a storm causes a tree to fall and it hits your car then your car insurance will be the only avenue to pay for damages to your vehicle. The only way the neighbor could be At Fault is if the tree was dead and if the neighbors knew it was dead and did nothing about removing the tree. You would have needed to send them a letter informing them of the tree as well and asking them to remove it to secure the liability on their part.