Self-inflicted damages may be covered by car insurance, depending on your insurance coverage. Damage to the car you hit is covered by your liability insurance, which is required by law. If you have collision insurance, your automobile may be protected as well.
You are unable to lodge a claim on your liability insurance. If you have a collision policy, though, you are usually covered. Collision coverage, unlike basic liability policy, pays to repair your automobile in the event of an accident.
In many cases, insurance companies who hold policies on both vehicles in a collision will waive one or both deductibles.
When the drivers' insurance companies are different, the company representing the driver who backed into the parked car will likely reimburse the damages. The driver should ensure that the path is clear when pulling out of the driveway.
Car Insurance Coverages
Not every collision is caused by your vehicle colliding with another vehicle. Insurance companies repay policyholders in huge amounts for things like:
- Driving and hitting an animal
- Driving into a body of water after losing control
- Backing into the automobile of a spouse in the driveway
- Vandalism or willful mischief that creates damage
- Vehicles stolen
A parking brake failure to hold or your car coming out of gear and rolling into another item, person, or body of water is a mechanical failure that causes damage that may be covered.
All of the scenarios mentioned above could be covered by your comprehensive or collision coverage minus your chosen deductible.
Self-inflicted car damages could be covered by insurance. You just have to have the right car insurance policy to help ensure that you are properly covered.
At Brad Spurgeon Insurance Agency Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (409) 945-4746. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.