I Hit My Garage Door With My Car: Do I File With Car Insurance or Home Insurance?

Picture this: You are backing into your driveway late at night and pull back too far and hit your garage door. Or you are pulling in and hit the gas instead of the brake and slam right into the garage door. Believe it or not, but this is a common scenario. However, when this happens, many people don’t know if they should file an insurance claim with their home or auto insurance. Here is some information you need to know.

Liability car insurance covers damage to other people’s property, not your own. As such, your car insurance will not cover the garage door repairs if you own the house that you have damaged. In this situation, you will need to file a homeowner’s insurance claim for any damage done to the garage door and a car insurance claim for damage done to your car.

When deciding whether to file a car insurance claim, homeowner’s insurance claim or both, get estimates for how much the damage will be and compare it to the price of your deductibles. Garage door repairs are typically not as expensive as one would think, and you may find that repairing it yourself is cheaper than filing an insurance claim. Also, keep in mind that if you were to file an insurance claim, your car and/or homeowner’s insurance policies may increase. As such, if the amount of your deductible is only slightly less than the amount you’d pay to repair it yourself, you may be better off in the long run repairing it yourself.

If you have insurance questions, or are pricing out new home or auto insurance policies, contact INW Insurance Group. We serve the Mesa, AZ area and would love to help with all of your insurance needs.