* Insurance Claim (Comprehensive): Most likely, yes. Comprehensive coverage typically covers damage to your vehicle caused by things other than collisions with other vehicles. Hitting a tree branch would generally fall under this category. However, your insurance company will investigate. They might look for evidence that you were driving recklessly or negligently (e.g., speeding in an area known for debris). A high deductible might make a claim not worthwhile, financially.
* Insurance Claim (Collision): This is *unlikely* to be covered. Collision coverage is for damage caused by a collision with another vehicle or object. While you collided with a branch, the focus might be on the lack of a "collision" with a vehicle.
* Claim Against the Responsible Party: This is highly unlikely to be successful unless you can identify and prove negligence on the part of a specific individual or entity. For example, if the branch was from a tree on private property that was known to be hazardous and the property owner failed to take reasonable steps to mitigate the risk, you *might* have a case. This would involve proving negligence and potentially legal action. This is a complex and costly route.
* Claim Against the Government (if on public road): This depends on the specific jurisdiction and the circumstances. Governments generally have a duty to maintain reasonably safe roads, but proving their negligence in failing to remove a hazardous branch might be difficult. You would have to demonstrate that the government knew or should have known about the hazard and failed to take action.
In short: Your best bet is to file a claim with your *comprehensive* auto insurance. Be prepared to provide details of the incident, photos of the damage, and possibly police report (if one was filed). The insurance adjuster will investigate and determine coverage. Don't expect an easy or automatic payout.
