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Another car hit my door as I was opening it. Whose insurance pays?

crashing into car door

In this case, insurance adjusters would look very closely at the nature of the damage to determine who was at fault, says David Snyder, vice president and associate general counsel for the American Insurance Association (AIA).

“Where the damage is may signal who is at fault," he explains. "If the damage is on the outside of your door, most people would conclude the other car hit your car. But if the damage was to the inside of your door, it means you had your door open before the other car hit it. There would be some liability on the person who opened the door."

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