Does auto insurance cover hitting my own car?
How does insurance work if I hit my own car? Fortunately, you and your vehicle are covered by collision coverage if you hit your own car. A collision auto insurance policy will cover damages to your vehicle, even if you're the driver that hits it. Read this guide for more information regarding what happens if you hit your own car in your driveway, on the road, or drive through a wall or mailbox.
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Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
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Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated November 2024
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 an auto insurance claim 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
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 auto insurance 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 covered on the same multi-car 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.
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Hitting Your Own Car On The Road
Read more: Does my auto insurance cover damage to my own car if I am at fault in an accident?
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) insurance, if they have it. 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 property damage liability 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, you just have to go through the property damage claims process.
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.
Read more: Does my auto insurance cover damage to my car if I hit a parked car?

Frequently Asked Questions
What to do if you hit a wall with your car?
If you hit a wall with your car, ensure everyone’s safety first. Assess the damage to your vehicle and the wall. If there are no injuries and the damage is minor, you may choose not to report it. However, it’s advisable to inform your insurance provider, especially if there’s significant damage.
A car hit my house, what do I do?
If a car hits your house, ensure everyone’s safety first. Contact emergency services if needed. Exchange insurance information with the driver and document the incident with photos. Notify your homeowner’s insurance provider and file a claim to cover repair costs.
I scraped my car against the wall, how do I report it?
To report scraping your car against a wall, contact your insurance provider and inform them of the incident. Provide details such as when and where it occurred, along with any relevant photos. Your insurer will guide you through the claims process.
Am I liable if someone hits my mailbox?
Liability for damage to your mailbox depends on the circumstances. If someone hits your mailbox due to their negligence or recklessness, they may be liable for the damages. However, if your mailbox obstructs traffic or is improperly placed, you could share liability.
Can I claim on my car insurance if I hit a wall?
Yes, you can usually claim on your car insurance if you hit a wall, provided you have collision coverage. Collision coverage helps pay for damages to your vehicle resulting from collisions with objects such as walls, fences, or poles.
Can you get in trouble for hitting a mailbox?
Hitting a mailbox without stopping to assess the damage or leaving contact information can lead to legal consequences. It’s considered a hit-and-run offense. However, if you stop, assess the damage, and take responsibility by contacting the mailbox owner or leaving a note, you may avoid legal trouble.
Does car insurance cover hitting a mailbox?
Yes, car insurance typically covers hitting a mailbox if you have collision coverage. Collision coverage helps pay for damages to your vehicle resulting from collisions with objects, including mailboxes. However, you may be responsible for damages to the mailbox itself.
Does car insurance cover hitting a car?
Yes, car insurance generally covers hitting another car if you have collision coverage. Collision coverage helps pay for damages to your vehicle resulting from collisions with other vehicles, regardless of fault.
Does car insurance cover hitting a wall?
Yes, car insurance typically covers hitting a wall if you have collision coverage. Collision coverage helps pay for damages to your vehicle resulting from collisions with objects such as walls, fences, or barriers.
Does comprehensive cover hitting a curb?
Comprehensive coverage usually doesn’t cover hitting a curb. Comprehensive coverage typically applies to non-collision incidents, such as theft, vandalism, or natural disasters. Hitting a curb is considered a collision, so it’s covered under collision coverage, if you have it.


