Does auto insurance pay for damage caused by a fallen branch?

AUSTIN (KXAN) -- Last night’s wintry weather coated Central Texas trees with up to .75 inches of ice in some areas. Ice accumulation can weigh hundreds of pounds and may lead to branch failure – when the weight of the ice exceeds the wood’s resistance. 

Ben Gonzalez of the Texas Department of Insurance said that if a branch or tree falls onto your car and damages it, you may be out of luck.

“It really depends on your policy. If you have just the general liability that the state requires to drive...