But that would imply every bad thing is ironic. I think it's when you have reason to believe the exact opposite should happen. You have no reason to believe a tree will never fall. But if you're obsessed about tree falling on car safety, you'd then have that expectation. That's why most things in the song Ironic are actually coincidences, but a song dedicated to irony being wrong about irony is actually ironic.
My understanding of the words is similar. Irony is when you expressly think something will happen, and then it doesn’t (or vice versa).
So obviously the owner was thinking “my car is definitely not going to be crushed by a tree” and thus this is actually ironic.
But that would imply every bad thing is ironic. I think it's when you have reason to believe the exact opposite should happen. You have no reason to believe a tree will never fall. But if you're obsessed about tree falling on car safety, you'd then have that expectation. That's why most things in the song Ironic are actually coincidences, but a song dedicated to irony being wrong about irony is actually ironic.