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