Will Insurance Cover Me if I Damage my Own Vehicle?
Damage to Your Own Vehicle Is Often Covered
Most accidents can be avoided. That’s why they’re accidents; a temporary lapse in judgment leads to a costly mistake. But what happens if you damage your own vehicle and need auto body repairs? Should you file a claim? Will that claim even be paid?
Most of the time, if you have full coverage, you will be covered if you damage your own vehicle. Which policy pays, how it pays, and if you should even file a claim depends on what exactly happened.
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I Collided with Another one of My Own Vehicles
Suppose you back out of the garage and bonk into your spouse’s car, or another vehicle that you own. The situation here is a bit more complicated because there are two vehicles with damage, and both may be in need of collision repairs.
If both vehicles are damaged, and you have collision coverage, you can file a claim. The issue, however, is that you may end up having to file two claims; one for the colliding vehicle and one for the collided vehicle. That means you will end up paying the deductible twice.
If only one vehicle has collision coverage, you might still be able to file the claim. It all depends on which one has the collision coverage. If you do file a claim, it could end up being an “at fault” accident and your rates may go up when your policy renews.
I Collided with a Stationary Object
Those trees, poles, and rocks can tend to sneak up on you. What happens if you collide into one? Fortunately, that’s what your collision insurance is for.
Collision insurance coverage helps pay for the damage to your vehicle if you’re in a wreck. It doesn’t matter if you hit another vehicle, a tree, a rock, or a space alien (although aliens may fall under comprehensive coverage, best to check with your insurance agent on that one). If you backed into your garage door or another part of your house, you will end up with two claims: a homeowner’s insurance claim and an auto claim.
Related: What Does Your Auto Insurance Cover?
Is it Worthwhile to File a Claim?
Here’s the million dollar question: is it worthwhile to file a claim? If it’s minor damage that won’t cost much to fix, then usually it’s best to pay out of pocket instead of filing an insurance claim. Keep in mind that if you do file a claim, your rates may go up, so that should be factored into the overall equations when you decide.
Bring Your Damaged Vehicles to Big Sky Collision Center
Here at Big Sky Collision Center, we have more certifications than any other auto body repair shop in the area. That means we can get your vehicle restored to factory safety standards, and ensure that you have all of the damage fixed by the experts in Billings auto body repair.
Need to make an appointment? Give us a call at 406-259-6328 and we will get you scheduled!