garage door damage
Ellen G (guest) 29 Apr 2010 03:04
If I'm backing up out of my garage, will my insurance cover the accident. Or if I back out of my garage into a blind spot and am hit, is it covered?
garage door damage
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Summary:
If I back into my garage door, does my insurance cover this?
Ellen G (guest) 29 Apr 2010 03:04
That is a good insurance question. This is one of the basic insurance fault rules. when you are in reverse and someone gets hit then you are going to be at fault. If you reverse into someone else who is driving in reverse then you would both be at fault.
Now what happens? If you have collision coverage then you can put in a claim for the damage to your vehicle. If you did not buy collision then you will pay for your own damage. The damage you have done to the person you hit is covered under your liability.
If that person driving the other car is injured then your insurance will pay up to the amount of liability coverage you bought. Your insurance will also be paying for the loss of use costs while that driver's vehicle is being repaired.
What if you back up into your own garage door and take out part of the wall? Now your home insurance will be involved. Yes, it will help pay for the repairs. The problem is you could have two deductibles with one for the car damage and one for the garage.
Does that make things clear, Ellen? We're here anytime to give you insurance advice, just ask and we are glad to help. Good luck!
A homeowner is backing out of his garage, forgets to open the garage door and causes a $1000 worth of damage to the door. The Car is undamaged, the homeowner has autoliability and comprehensive insurance but not collision.
The homeowner has "Condo" insurance which covers bodily injury liability, damage to the interior of the house and loss of house contents.
The local HOA has a group homeowners policy that covers structural damage to the exterior of the house, such as roof, paint, walls, fences etc that result from fire or natural disasters.
As the homeowner's negligence while driving caused the damage to his garage door, an exterior appertenance of his house, to which policy should the homeowner's claim be directed, (auto, condo or group HOA homeowner's policy)??
Does it really matter which insurance company gets the claim first given subrogation protocols between companies?
What is the key fact of this case that determines to which company the claim should be directed ?
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