Your Crash-o-Matic accident report
When you hit a tree – or other stationary object, such as a pole – the coverage that will pay to repair your vehicle is collision. If you have only liability coverage, you will be responsible for repairing your own car.
Collision insurance pays not only when you hit another vehicle but also when you hit an object. Your claim money will be reduced by your deductible amount. If you harmed the tree that you hit, or your accident damaged any other landscaping, the owner of the property might file a claim against your property damage liability coverage.
If instead of you hitting the tree, the tree (or branch of it) fell on your car and damaged it, then it would be a comprehensive claim.
An at-fault collision claim is likely to cause your rates to rise, depending upon your insurer’s surcharge schedule. A comprehensive claim is not as likely to increase your rates, unless you have multiple claims in a short time period.