Self-inflicted car insurance wounds: I crashed into myself!
Last updated Nov. 3, 2011
Drivers often are their own worst enemies, causing car insurance claims and failing to recognize the things they could have done -- or not done -- to avoid them.
Penny Gusner, consumer analyst for CarInsurance.com, says most car accidents can be avoided. A frequent cause of claims is driver distraction. With devices like GPS tools, BlackBerrys and iPhones competing for your attention, you may find yourself multi-tasking when you should be keeping your eyes and your mind on the road.
"People are just inattentive nowadays, it seems," Gusner says. "They are texting when they get in their car. They are trying to answer the phone. Most things people do [to cause accidents] seem to be preventable."
Fortunately, your auto insurance policy often covers damage that’s due to your own bad judgment.
Read on for eight self-inflicted car insurance wounds and how your insurance will help you out – or not.
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?