My wife backed out of the garage and hit my car in the driveway. Can we make a claim on our liability policy?
You can’t make a claim for yourself on your own liability coverage. However, Rick Ward, director of auto claims for MetLife Auto & Home, says you typically would be covered if you have a collision policy. Unlike basic liability coverage, which pays for the harm you cause to others, collision coverage pays to repair your own car in the event of an accident.
Often, insurance companies that hold the policies on both vehicles in this type of accident will waive one or both of the deductibles.
Tully Lehman, a spokesperson for the Insurance Information Network of California (IINC), says that in such cases where the drivers have different insurance providers, the company representing the driver who backed into the parked car likely would cover the damages.
"It is the responsibility of the driver backing out of the driveway to make certain that the path is clear," explains Lehman.
Pages in this slideshow:
- Self-inflicted car insurance wounds: I crashed into myself!
- My wife backed out of the garage and hit my car in the driveway. Can we make a claim on our liability policy?
- Another car hit my door as I was opening it. Whose insurance pays?
- I crashed into my own garage door. Will I need to make a collision claim for my car and a home insurance claim for the garage door?
- I smashed my hand in my car door. Can I make a bodily injury claim on my car insurance?
- I left my engine running while I ran into a store, and somebody stole my car. Will comprehensive insurance pay my theft claim?
- I left my emergency brake off and my driverless car rolled down the driveway and across the street, into my neighbor's tree. Will my car insurance pay for the damage to my car and what about the damage to the tree?
- I crashed a car while on a test drive. Whose insurance pays?
- My daughter crashed her Little Tikes Cozy Coupe into my car, scratching the door. Can I make a comprehensive claim?