A tree fell onto my truck in my mothers yard and my truck was totaled. is it best to file on the homeowners or the auto insurance. I still owe on the auto will get money to get another auto?

You will have to file a claim on your own comprehensive auto Insurance.

Homeowners insurance will not cover damages to your vehicle for two reasons

1. A property owner is not liable for an act of nature.

2. Homeowners insurance does not cover automobiles anyway,

It would be a waste of time and energy trying to file a claim against your Mother for something which she is not liable. That's what auto insurance is for.

AnswerYou should file with both. Each company may settle the claim differently. One company may total the vehicle while another may want to repair it....yes, I know you said it was totaled. You will not believe how some company will want to fix anything to save a buck. Also, the settlement amount may be different from one company than the other. You will have to pay the deductible for your auto policy....at first. Then your company will be reimbursed by the other company. You will be reimbursed for the deductible then.