Core Insights - Heavy snowstorms and ice in the Northeast are causing significant damage, including fallen trees impacting vehicles [1] - Many individuals mistakenly believe their insurance will cover damages from such incidents, but coverage can vary significantly [2] Insurance Coverage Insights - Standard auto insurance typically includes only liability coverage, which does not cover damage to the insured's own vehicle [5] - Drivers with only liability coverage are responsible for the full cost of repairs if their vehicle is damaged by falling branches or trees [6] - Homeowners' insurance generally does not cover vehicle damage, even if the vehicle is parked on the property [7] Liability and Negligence - The only potential coverage for vehicle damage from a fallen tree may arise if negligence can be proven, such as a property owner failing to maintain a dangerous tree [8]