The doctor was on her way to work when the tree landed on the roof of her VW Golf - glancing off the building site worker as it came down.
He had just helped one of his colleagues to get out safely from another vehicle which had also just been hit by a falling tree.
All three escaped serious injury in the drama which happened as the storms uprooted trees at Kelvin Way.
The two men, from Glasgow building firm CCG, were working on the refurbishment of the band-stand and amphitheatre in Kelvingrove Park.
One, who asked to be identified only as Graham, from Motherwell, said: "I was in my car waiting to start my shift when a tree came down and I was stuck in there.
"I couldn't move for all the branches that were sticking through the windows so I was on the phone to the emergency services to get help.
"But one of my coll-eagues Eddie had arrived and heard me on the phone.
"He managed to prise one of the branches free just far enough that I could squeeze out the window."
As Graham and Eddie surveyed the damage, they heard another loud crash and a second tree came down. It glanced off Eddie and landed on top of the black Golf.
Graham added: "It went right across the back of the motor.
"If anyone had been in the back seat they would have been dead.
"The driver didn't seem to realise what had happened.
"She said she was a doctor and had to get to work at the Southern General but we told her what happened.
"She was in total shock but thankfully not hurt. The car door wouldn't open at first but we managed to force it open and she got out okay."
Eddie was taken to hospital in an ambulance. He is not seriously injured.
The young doctor was left severely shaken by the incident.
Darren McCann, partnership manager at CCG, said: "The workers at the bandstand site went above and beyond the call of duty and we are very proud of them.
"They helped the lady from her car then got to work clearing all the broken trees and branches from the road.
"They even moved some of the equipment from the building site to help with the clear-up on the street.
"Thankfully no-one was badly injured and work started on the bandstand a few hours later, once it was safe."