If a tree trips in the city, will it fall on your car?

The thought of a tree falling on my car is not a happy one (though it does bring to mind the time my car was broken into and nothing was stolen, not even the fabulous factory installed, it's just a radio, radio), but whenever I see the Allstate ad where the guy asks what I'd do if a city tree falls on my car, I laugh because it doesn't look like the tree just fell over onto the car.  No, it looks like it was either running or walking down the street and tripped, falling onto the car and doing irreparable damage.  (Just try imagining that the next time you see the ad.  It puts it in a whole new light.)