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Ask the Home Insurance Expert

I drove my car into my garage door and part of the house. Is there any coverage between policies? I realize I did it to myself so I thought I might not be covered.

The thing about insurance is that it often covers us for our own dumb mistakes – hammering a nail into our own thumb (health insurance), leaving our car unlocked and having it stolen (comprehensive coverage) and driving through our own garage door (home insurance).

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The damage to your house should be covered by your home insurance. The damage to your car should be covered your collision insurance – I hope you have collision coverage. Deductibles will apply.

Your auto liability can’t cover you in this case because you can’t make a liability claim against yourself.

Last updated: Jul. 25, 2012
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