storm, tree falls on car, who pays?

[Jennifer Minge]

Big storm came through here the other night. A tree fell and landed on hood of tenant's car and knocked out the windshield. Some other dings on 2 other cars also. Tree was not a dead tree, it was a healthy tree that got uprooted in the storm. These are older cars and tenant only have basic insurance coverage and does not have insurance coverage for damage (there is a technical term for this but cannot thing of it right now).

Who pays to repair the damage to tenant's car?

Tenant's car insurance.
Tenant's renter's insurance.(possibly they don't have)
Landlord's homeowner's policy.
Or something else

Thanks for the advice.

Jennifer

[Bill Gulley]

Tenant should have had comprehensive coverage, that's that it is for. If the tree had been dead, it should have been removed to eliminate a falling hazard but sence it was not, the owner of the tree is not negligent ( covered under a liability policy if sued) and therefore not responsible. Storms are specifically covered as insurable perils under an auto policy. If insurance is available for any insurable peril for any loss, it is the responsibility of the owner of the damaged property to insure against it.