What Happens If I Hit My Own Car?

If you have multiple cars parked at home, you might run out of luck one day and actually end up hitting your own vehicle. This is not actually that uncommon. If you have a small garage or a narrow driveway (or teen drivers), running into your own car happens more than you think. Fortunately, filing the insurance claims for these vehicles does not have to be that complicated. Let’s take a look at some scenarios.

Hitting A Parked In Your Own Driveway

hitting your own car insurance coverage If you are rolling backwards down your driveway and happen to smash into your friend’s car, the insurance claim process is pretty straightforward. You call up your insurer, you file a claim, and your insurance will cover damages to both your vehicle and his. Your liability coverage will pay for damages to his vehicle. Your collision coverage will pay for damages to your own vehicle.

If you are rolling down your driveway and smash into your wife’s or your child’s vehicle, are you still covered? Chances are that answer is still ‘yes’. If both cars are on the same auto insurance policy and both have collision coverage, the repairs should both be paid for by that coverage.

If you do not have collision coverage, however, you may have to pay for damages out of pocket. Even the vehicle that is “the victim” will not be covered by the other car’s liability policy. Most liability coverage excludes damages to vehicles that you own. This is why having collision coverage is so important.

Hitting Your Own Car On The Road

If you are on your way home, turn onto your street, and happen to slam into the side of your wife’s vehicle, your insurance coverage will work in a slightly different way. If there are no injuries to anyone involved in the accident, both of the collision coverage policies will ‘kick in’ and pay for the damages.

If there are injuries involved, the claims process can get a bit tricky. The at-fault car’s liability policy will cover injuries to the other party. If the driver or passengers in the at-fault vehicle are injured, they will be covered by their personal injury protection policy (PIP), if they have one. If there is no PIP coverage, the injured’s health insurance policy will most likely cover the injuries.

Driving Through Your Wall Or Into Your Mailbox

Driving into your own mailbox or some other item you own 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 would be covered by your collision coverage if you crash into part of your house. But, who will pay for the actual damage to your house? We’ve all seen videos online where people accidently drive right into their living room, but we most likely do not know if insurance pays for that damage.

If you own the house, the damage to your property most likely will not be covered. You will need to have homeowner’s insurance pay for the damage, or you will need to pay for the damage out of pocket. If you rent your house, however, your car insurance policy most likely will cover the damages. The reason for this is because most personal car insurance policies do not cover damage to property you own. If you rent your house or your apartment, you are not the owner. The landlord is. Therefore, if you drive into your landlord’s property, your auto insurance will cover the damages.

In all car accidents, whether you crash into your own property or not, it’s best 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 be able to properly assess damages and get you well on your way to fixing them. Failing to properly file a claim could lead to trouble down the road and hurt your chances of getting the damage paid for.


  Comments: 12

  1. Hello, On April 1, I had a minor damage to the garage and on top of my roof of my car. I had a broken antenna and scratches. I also have a dent in the garage door. I have a hole on top of the car. Does it covered by my State Farm Insurance? Please help me.


    • Andrew@4AutoInsuranceQuote

      Hi Linda,
      You would be covered if you have full coverage on your car, which includes both Comprehensive and Collision coverage. In this case, it looks like a Collision claim, since you appeared to collide with your garage while you were driving. If this is the case, then your car will only be covered if you have Collision. Collision coverage applies any time you have damage to your vehicle if you hit something else, like another car, a tree, or a building. State Farm would pay the claim, but you will also have a deductible that will apply to their claims check.

  2. Hello, my car’s Rear Differential is leaking from both Axle seals and Pinion Seals and Rear Brakes are Worn to 0MM. Both Front Strut is Leaking. Is it covered by my State Farm insurance? Help me please!

    • Andrew@4AutoInsuranceQuote

      Hi Tamirat,
      It’s difficult to say if it would be covered because it will depend on why your car is leaking. If it’s a wear and tear issue, then you won’t have coverage. You also won’t have coverage unless you have Comprehensive coverage on your policy. Comprehensive and Collision coverage applies to damage to your own vehicle, but you need to have those on your policy. Comprehensive covers your vehicle for many things, but wear and tear is never covered by an insurance policy. So you will need to have a mechanic try and figure out what caused the leak, and then submit the claim into your insurance if it’s anything other than wear and tear.

  3. A family member (on the same insurance plan as me) backed into my car in the driveway, but only my car was damaged. They have limited coverage, but I have comprehensive. Is it possible for me to file and pay my deductible so their rate doesn’t go up?

    • Andrew@4AutoInsuranceQuote

      Hi Clay,
      Their rates aren’t any different than your rates if you are on the same plan. Also, your comprehensive coverage won’t cover the damage to your car in this case. You would have needed collision coverage for this, since it was a vehicle-to-vehicle accident. Unfortunately, you will have to pay out of pocket to fix your car. However, the good thing is since it’s not covered, you don’t have to file it under your insurance and your rates won’t go up.

  4. I own cars A and B. I’m backing car A out of my garage when I accidentally back into the rear bumper corner of car B that was parked (no one in car) on my driveway. Both cars have full liability and collision coverage. As the parent, I pay the monthly insurance. One minor (son) is also listed as a driver. No one else is named on the insurance.

    Question 1: Does State Farm cover cars A and B on “separate” policies, thereby potentially requiring “2” separate claims and “2” separate deductibles for repair of cars A and B? How would collision and liability apply in this situation? If State Farm’s procedure is to require “2” claims and “2” deductibles, doesn’t that count as “2” separate accidents on my driving record and thereby adversely impact my insurance rates “twice”?

    Question 2: If State Farm places car A and B on separate policies, what is the reason for this? They have never discussed this with me, and furthermore, didn’t ask me about it. Should I have been allowed any input? What do you recommend is best when a minor is included?

    Thank you!!

    • Andrew@4AutoInsuranceQuote

      Hi Cindy,
      To your first question, it will be up to State Farm. It will likely be considered just one accident, but yes you would also probably have two deductibles. If you didn’t own the second car that you hit, then that would fall under your property damage liability coverage. But you can’t use liability coverage on another vehicle you own, so if you wanted insurance to pay for it, then you would have to submit a collision claim. But it will just be one accident on your record.

      To your second question, that is just a quirk of State Farm. Each vehicle is on its own policy. That is just how they do things, but I’m not aware of another insurance company that does the same thing. Most put all vehicles under one policy.

  5. Why are insurance companies allowed to raise premiums when there is an accident that results in a claim?
    Aren’t all the premium payments that are “not” used toward cost of accident repairs the ‘compensation’ (i.e., profits) for the insurance companies? Raising my premiums, as a result of a claim, is literally compensating the insurance companies TWICE each time a claim is filed: 1) premium payments in excess of car repair costs, and 2) amount of increase in premiums. Not only are customers paying for service through monthly premiums but are also “penalized” when they utilize their service.

    • Andrew@4AutoInsuranceQuote

      Hi Cindy,
      I understand your point, but that’s not quite how it works. There aren’t just accident repair claims, there are also liability claims. If there’s an accident resulting in multiple serious injuries and/or deaths, those claims can easily be in the hundreds of thousands of dollars, if not millions of dollars. Just one of those claims wipes away thousands of people’s premium payments.

      Many insurance companies have struggled to make a profit recently on auto insurance. The claims they pay out in one year are close to or more than the premiums they bring in, so they raise rates to help offset those losses.

      Furthermore, statistically speaking, people who get in an accident are more likely to have another accident. This might not apply to everyone, but that’s true over the general population. So they deem that person a higher risk and more likely to have another accident, and therefore increase their rates.

  6. An air freshener can exploded in my car and shuttered the windscreen. Can such damage be covered by comprehensive insurance?

    • Andrew@4AutoInsuranceQuote

      Hi Muko,
      Absolutely. Farmers Insurance has made a whole series of commercial advertisements showing these random things that can happen, and that “they cover it.” The truth is that all insurance companies would cover those accidents because they are all covered under Comprehensive coverage. An auto insurance policy doesn’t define what is covered under Comprehensive, it only defines what isn’t covered, aka the exclusions. So as long as something isn’t excluded, it’s covered. The things that are usually excluded are just things like wear and tear and intentional damage, so your air freshener accident would be covered.

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