If you run over a tree Branch in the road and unknowingly it pierces your oil pan causing engine to break can file claim?

* 保険請求 (包括的): おそらくそうです。 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.

* 保険請求 (衝突): これはカバーされる可能性は*低い*です。 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.

* 責任者に対する申し立て: This is highly unlikely to be successful unless you can identify and prove negligence on the part of a specific individual or entity. たとえば、その枝が危険であることが知られている私有地にある木からのもので、不動産の所有者がリスクを軽減するための合理的な措置を講じなかった場合、訴訟が発生する*可能性があります*。 This would involve proving negligence and potentially legal action. これは複雑で費用のかかるルートです。

* Claim Against the Government (if on public road): This depends on the specific jurisdiction and the circumstances. 一般に政府には適度に安全な道路を維持する義務があるが、危険な枝を除去しなかった政府の過失を証明するのは難しいかもしれない。 You would have to demonstrate that the government knew or should have known about the hazard and failed to take action.

要約すると: 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. 簡単な支払いや自動支払いを期待しないでください。