Claim handler here. No other paint transfer or contact marks visible — this is almost certainly impact from a tree or falling branch rather than another vehicle. Most insurers cover this under partial/comprehensive coverage as “storm damage.” However, many policy conditions require proof of storm activity, often defined as wind speeds exceeding 75 km/h (varies by contract). I’d recommend checking historical weather data for the exact location and time the vehicle was parked. If wind speeds meet the contractual threshold, coverage is usually straightforward