<prompt> Human: We bought a house about two months ago. We were concerned about one of the trees and called a tree service who said it was fine. We stupidly listened and now a tree branch has fallen on my car in a huge storm.First I called my car insurance. They told me that this is a homeowners insurance issue, and to call them.I called my homeowners insurance. They told me that they will pay for the removal of the tree but the damage to the car itself is an issue for my car insurance.I have now talked to each one half a dozen times, gone in and talked to them both in person...and they are both telling me to contact the other type of insurance.Which one is actually supposed to help with the car? And how do we get them to actually do something more than say to call the other insurer?Assistant: There is some value other than the multi-policy discount to having the same carrier for all your property insurance. This is one such instance.If they really wont cooperate, you can try to file the claim with both to force them to work it out.Human: The car is owned by my parents and on their policy with me as the primary driver, whereas my homeowners insurance is on my own. So in this case putting them both under one umbrella would be a PITA since I wont be using their car much longer we just traded for 3 months because my brother is using a wheelchair from a football accident - my SUV was more practical than their coupe. So thats some extra complication...I also tried having my parents call and file the claim thinking since its not their house they wouldnt be told to call homeowners insurance but apparently the insurance company made a note of it on the policy file and told them weve already heard this story, call homeowners insurance instead. Ugh.  <response>: Did you tell both companies that the car was kept with you? This might be the real heart of the issue. A guests car parked on your property on the driveway is a homeowners issue. Your car parked on the street in front of your house is your car insurance issue. A guests car on the street is most likely their car insurance issue.Attempting to lie to then is not going to work out well.Also, go read your policies. 