The specific timeframe to file varies in different states.
Apr 02, The tree is on a neighbor’s property If a tree on a neighbor’s property falls and damages your car, they may be responsible. You will still file a claim with your auto insurance company.
The liability coverage section of your homeowners insurance or car insurance would reimburse you for legal fees, including attorney and court expenses.
However, if it can be proven that the tree fell due to your neighbor’s negligence, their homeowners insurance should cover your claim. If a tree falls on both your car and your home's roof, you would file a claim with your auto insurance for your car (assuming you have comprehensive coverage) and another claim with your homeowners insurance for the roof damage.