There are many scenarios in which you may cause damages to your own automobile or property and wonder if your auto insurance will pay for them. The answer mainly depends on your coverage and circumstances of the incident. So, it is best to break down this question and try to clarify the position as best as possible.
Insurance companies will not normally pay for damages to insured vehicles if you or any of your family members caused it deliberately. Insurance is for damages beyond the policyholder’s control. You cannot expect the insurer pay for it when you lost your temper and sling a brick at your car because it was a choice action within your control.
However, people often cause damages to their autos unintentionally. This could be a car accident in driveway or on the roads. Large numbers of claims come from incidents near or at home because it is where the vehicle is most of the time.
Does Insurance Pay for My Own Car Damages?
There is a higher chance of your own vehicle getting damaged before you damage someone else’s automobile or property. That is why you shouldn’t just buy liability only coverage but choose full coverage car insurance if you can afford the premium. Then your insurer would pay for your car damages that were the result of a collision, weather conditions, floods, fire, theft or many other perils covered under Collision and Comprehensive Coverage.
Will Insurance Cover Damages to My Own Car if It Was My Fault?
Again, it is possible that you would have caused the accident that damaged your automobile. Many self-inflicted car accidents occur everyday. What happens if I damage my own car? In majority of cases insurers would pay for damages to vehicles caused by their own policyholders, unless it is proved to be a deliberate action that was planned to defraud the insurer.
The last part of the previous sentence shouldn’t worry you if you are an honest person. Most insurers wouldn’t even question that you deliberately caused the accident so that you could get money from your carrier. Why would you anyway if the insurance is only going to replace what you have lost? There is no reason for suspecting a foul play unless there are evidences to the contrary. Reputable carriers will settle claims with minimum fuss especially when the damages are small.
When an accident is your fault your insurer pays for your own damages if you have Collision Coverage. It would be an own damage car insurance claim if there were no other vehicle involved or you didn’t cause any damages to other properties. Otherwise, your liability coverage would pay for damages you caused to other cars and properties as well, up to its limit.
Insurance Coverage for at Home or Driveway Accidents
People are usually more worried about claims for accidents near their home but they happen more often than you think. It usually doesn’t matter where the incident happen. What matters is that you have good auto insurance coverage. You may have hit your neighbor’s auto when you were backing out of your driveway or garage. If you have a full coverage it would be considered as an at fault collision. Your liability coverage would pay for your neighbor’s damages and your collision coverage would pay for your own losses.
Crashing on to a Car Belonging to You or your Family
What if the car you hit belongs to your spouse or yourself? Would your auto insurance policy cover the damages to a family member’s auto? Then, you need to look at how both vehicles are insured. It would go down as collision claim for both cars if both of them are insured under the same policy and have collision coverage. Collision deductible would apply too. If your spouse’s auto doesn’t have collision coverage your insurer probably won’t pay for the damages to it. Normally, your liability coverage will not cover your spouse’s damages since it is within the family and not a third party claim.
Damages You Caused with Your Car to your Home
Your automobile insurance liability coverage is there to compensate the damages you caused to third parties including property and vehicles. Then, who pays if you caused damages to the property you live in while parking on the driveway or backing out of the garage? This depends on who owns the property. If you own it you would have had home insurance to claim on and your auto insurance wouldn’t pay for it. However, your vehicle insurance would probably pay for the property damage in this case if you are renting it since your landlord is a third party.
Principally, your liability policy doesn’t cover damages to your own property.
Most other damages to your automobile while parked at home are covered by your comprehensive coverage. Your car insurance pays for damages that are caused by falling tiles, trees, vandalism, fire, weather damages and so on, regardless of it happen at home or outside, as long as you have comprehensive cover.
Always remember that insurance policies differ depending on the coverage chosen, company providing it and the state you live in. That is why it is best to check your policy terms for a specific damage and call your insurer or agent if you need further clarification.