Does Auto Insurance Cover Me If I Crash Through The Garage?

The unexpected has happened. You meant to step on the brake for a smooth stop but instead hit the gas pedal for a disastrous crash into the garage’s door of your home. Before you file a claim with your auto insurance company, there are two things that you should know about liability assurance in Green Valley, Arizona; both of which an agent and Insurance Center of Green Valley can help you understand.

Your Policy Does Not Always Cover Damages to Property You Own

Liability insurance is meant to cover damages that you cause to someone’s else. You cannot use that portion of your indemnity policy to pay for repairs to your car if you are the culprit who ran through your home’s garage. Such is not the case for a rented house since you, technically, are not the property owner. Liability auto insurance will cover damages related to your vehicle as well as the home’s structure if you happen to run into the garage door. Your landlord, of course, would need to file a claim with your car’s insurance company to reap the benefits of your policy. 

Homeowner’s Insurance May Be Necessary If You Own Both the Car and Home In Question

Those who find themselves out of luck for filing an auto insurance claim for running the car through the garage may be able to file a claim on their homeowner’s insurance plan. Technically, your accidental takedown of the garage door caused structural damage that can lead to thousands paid for housing repairs. Thankfully, homeowner’s insurance plans do not have a clause that prohibits you from filing a claim if you cause damage to your residence. 

It is always a good idea to check with your local insurance agent to be sure of your auto and homeowner’s assurance policy limits. Agents and brokers at Insurance Center of Green Valley can help you obtain the best indemnity plan to suit your needs in Green Valley, Arizona. Contact us today for a quote!