If a tree falls on your car in Philadelphia, who foots the bill?A summer storm that brought four microbursts through West and South Philadelphia July 11 caused severe damage to areas of the city and downing multiple trees.But what happens when a tree falls on your car? And who has to foot the bill?Well, for some motorists in Philadelphia, that's the question at top of mind.Who pays if a tree fell on my car?The damage to your wallet when a tree decides to make your vehicle its final resting place is going to depend on your auto insurance.AdvertisementAdvertisementAccording to Experian, a global data and technology company, repairs or replacements for tree damages are a typical part of comprehensive car insurance.Though you'll likely still have to pay your deductible out of pocket.However, your payment may look different (and more expensive) if you don't have comprehensive auto-insurance, which is often more or different than the legal state minimum.In cases like Philly's latest storms, the issue of trees falling onto cars and into roadways will most likely be considered an "act of God," meaning that nobody is legally at fault and the payment should go through the vehicle owner's insurance policy, according to TreeLaws.org.AdvertisementAdvertisementHowever, if the vehicle owner can prove negligence of the city or homeowner that technically owns the tree, they may have a claim.A PPA Officer bikes through Center City PhiladelphiaPedestrians cross outside of City Hall.People enjoy a sunny day outside in Dilworth Park.Pigeons claim a sprinkler fountain in Dilworth Park.A view from inside of City Hall's archways.A view of City Hall in Philadelphia.Indego bikes lined up in Center City Philadelphia.1 / 7LOOK: Catch these views of Center City PhiladelphiaA PPA Officer bikes through Center City PhiladelphiaIs comprehensive car insurance required in Philadelphia?Auto insurance is a requirement of Pennsylvania drivers.According to the state's Insurance Department, the following types of auto insurance and minimum limits are required in Pennsylvania:Medical benefits: $5,000 minimum limitBodily injury liability: $15,000/$30,000 minimum limitProperty damage liability: $5,000 minimum limitIn Pennsylvania, comprehensive coverage is not a legal requirement, but it might have been from the bank if you took out a loan on your vehicle.AdvertisementAdvertisementYou should check your coverage to see what you may be eligible for in the event of a natural disaster.Kaitlyn McCormick is a Philadelphia-based reporter writing all things trending, breaking and city-related for USA TODAY's Philadelphia Metro Connect Team.This article originally appeared on USA TODAY: If a tree falls on your car in Philadelphia, who foots the bill?
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