Accidents happen and it’s an unfortunate part of the driving experience. However, you can rely on your auto insurance if anything happens to your vehicle!
But will your auto insurance cover you if you damage your own vehicle?
In or Around Your Driveway
If you happen to hit a parked vehicle in or by your driveway, or even damage your vehicle by crashing into your garage door, chances are you’ll still be covered if you have insurance.
Your liability insurance should cover damages to another vehicle you hit, while your collision coverage should pay for damages on your own vehicle. If you have homeowners or renters insurance, it should cover damages to your home done by your vehicle.
Hitting Your Own Vehicle
If you happen to hit another one of your vehicles, depending on if both vehicles are covered, you will be covered as well. Your collision insurance should cover damages to both vehicles, if applicable, though you may expect to see a price hike to your policy when you renew the next year.
If the damages are significant, you should file a claim. However, if the damage is slight, you may be able to skip filing a claim and saving yourself a price hike when you need to renew your policy.
Hitting a Stationary Object
While your collision insurance covers accidents that happen between two vehicles, this isn’t the case when it comes to stationary objects. Stationary objects, like a pole, a mailbox, or any other non-vehicular object, are not typically covered by your collision insurance.
However, if you have a comprehensive insurance policy, you should be covered under “non-collision caused damages.” If the damage is significant, make a claim, and also contact the police if you hit public property.
Payne Insurance Group
Payne Insurance Group wants you to be safe and covered while out on the road!
Payne Insurance Group provides insurance for auto, home, commercial, and much more! Payne Insurance Group has partnered with over 13 businesses across the Rio Grande Valley, As a result, we have created a one-stop-shop for all your automotive needs.