Garage doors are one of the most overlooked yet necessary components of a home. They protect our vehicles and other belongings from theft and damage. However, accidents happen, and a moment of carelessness can result in costly repairs. If you accidentally hit your garage door with your car, you may wonder if your car insurance policy covers the damages.
Collision Coverage
Collision coverage is an optional type of coverage that pays for damages to your car resulting from a collision with another vehicle or object, such as a garage door. If you have collision coverage on your car insurance policy, you may be able to file a claim for the damages to your car and the garage door.
Deductible
Before your insurance company pays for the damages, you will have to pay your deductible. A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. The amount of your deductible will depend on your policy and can range from $250 to $1,000 or more.
Liability Coverage
If you do not have collision coverage, your liability coverage may cover the damages to the garage door. Liability coverage is mandatory in most states and covers damages or injuries you cause to others in an accident. However, it does not cover damages to your own vehicle.
Exclusions
It is essential to review your car insurance policy to determine if there are any exclusions regarding damages to garage doors. Some policies may exclude damage to structures, including garage doors, from coverage, while others may have specific limits on coverage.
Claim Process
If you need to file a claim for damages to your car and the garage door, you should contact your insurance company as soon as possible. They will guide you through the claim process and determine whether your policy covers the damages. Be prepared to provide details about the accident, including the date, time, and location, as well as any photos or videos you may have.
Conclusion
Accidents happen, and hitting your garage door with your car can be a frustrating and costly mistake. Whether your car insurance policy covers the damages will depend on your coverage and the specific circumstances of the accident. Review your policy and contact your insurance company to determine your coverage options and the claim process.
