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Sep 17, Colliding with a tree lying on the road is considered a collision. Collision coverage will need to be listed on your car insurance policy in order for your insurance company to pay for repairs. 2  Your deductible will apply unless you have been racking up a reduced deductible with a vanishing deductible treenotch.clubted Reading Time: 4 mins. Get information, directions, products, services, phone numbers, and reviews on Geico Insurance in Laurel, undefined Discover more Insurance Agents, Brokers, and Service companies in Laurel on When your neighbor's tree falls during a storm and smashes the car in your driveway, you may not be sure who's responsible for the mess.

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