What Happens If I Hit My Own Car?
What Happens If I Hit My Own Car?
When you yourself have multiple cars parked at home, you might run out of luck one day and actually end up hitting your personal vehicle. This isn't actually that uncommon. When you have a small garage or a slender driveway (or teen drivers), running into your own personal car happens significantly more than you think. Fortunately, filing the insurance claims for these vehicles does not have to be that complicated. Let's take a peek at some scenarios.
Hitting A Parked Car In Your Own Driveway
\"If you're rolling backwards down your driveway and eventually smash into your friend's car, the insurance claim process is pretty straightforward. You call up your insurer, you file a state, and your insurance will cover damages to both your automobile and his. Your liability coverage will probably pay for damages to his vehicle. Your collision coveragewill probably pay for damages to your own personal vehicle.
If you should be rolling down your driveway and smash into your wife's or your child's vehicle, are you still covered? Odds are that answer remains ‘yes '. If both cars are on the same auto insurance policy and both have collision coverage, the repairsshould both be paid for by that coverage.
If you don't have collision coverage, however, you could have to pay for damages out of pocket. Even the automobile that is “the victim” will not be included in the other car's liability policy. Most liability coverage excludes damages to vehicles that you own. This is the reason having collision coverage is really important.
Hitting Your Own Car On The Road
If you are on your way home, turn onto your street, and eventually slam into the medial side of one's wife's vehicle, your insurance coverage will continue to work in a slightly different way. If there are no injuries to anyone active in the accident, both of the collision coverage policies will ‘activate'and buy the damages.
If you will find injuries involved, the claims process can get somewhat tricky. The at-fault car's liability policy will cover injuries to one other party. If the driver or passengers in the at-fault vehicle are injured, they'll be covered by their personal injury protection policy (PIP), if they've one. If you have no PIP coverage, the injured's health insurance policy will in all probability cover the injuries.
Driving Through Your Wall Or Into Your Mailbox
Driving into your own mailbox or various other item you possess is both stupid and careless, but usually there is insurance coverage available to pay for the damages. Like in the scenario above, damage to your vehicle could be covered by your collision coverage if you crash into part of one's house. But, who will probably pay for the specific damage to your house? We've all seen videos online where people accidently drive right within their living room, but we most likely don't know if insurance pays for that damage.
If you own the home, the injury to your property probably will not be covered. You should have homeowner's insurance purchase the damage, or you will need to buy the damage out of pocket.In the event that you rent your home, however, your car or truck insurance plan almost certainly will cover the damages. The cause of this is because most personal car insurance policies don't cover injury to property you own. In the event that you rent your property or your apartment, you're not the owner. The landlord is. Therefore, in the event that you drive into your landlord's property, your auto insurance will cover the damages.
In every car accidents, whether you crash into your own personal property or not, it's better to call up your insurance company and report them. The first step in properly dealing with vehicle damage always involves reporting it to your insurer. Your insurance agent will have the ability to properly assess damages and enable you to get well on the way to fixing them. Failing continually to properly file a claim could lead to trouble later on and hurt your chances of getting the damage paid for.
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