Gary, I hate to hear that about your car. Living where I do in the Highlands, I can definitely say "there but for the grace of whatever"...for instance, a car just three spots down from ours was brained, back window totally smashed in, filled with twigs, branches, snow and ice water. I sincerely hope the following is not anything you don't already know...
I'm telling this story as a sort of cautionary tale. Those of us that rent often tell ourselves that "at least, when something goes wrong, we can just call the landlord and get it taken care of" (actually, Gary and I were just telling each other this the other day at lunch). We figure - as long as we buy relatively inexpensive renter's insurance - we can just call for repairs as needed, and we're to be made whole in case of accidents and mishaps that happen on our landlord's property. Well, apparently, not so much. I've just been on the phone with my landlord, and, as it turns out, his tenants (and most tenants of rental property owners who have decent lawyers to draw up their standard lease agreements) have all signed a "hold harmless" clause within our leases. That means that no matter WHAT happens (water damage to our property, tree from the property falls on the car, guest slips and falls on the ice) - they are "held harmless", and their insurance will NOT kick in.
Luckily, my landlord's a nice guy, so he's paying for the tree surgeon to come and remove the tree from the car - just not for the damage to the car itself. I just checked our policy - we have comprehensive coverage (not full coverage, but a step above liability-only), so we would have been okay after paying the deductible. Get comprehensive auto insurance, renters!