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Question

Can I use my car insurance to damage to garage door?

First, can I even do this? Next, is it worth reporting a property damage claim to a garage door? The damage is about $300.

Aug 24, 2018 Orlando, FL

Answer
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Ava Lynch

Senior Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one…

Your car insurance would not cover the damage to the garage, only the damage to your vehicle if you have collision coverage. As for your second coverage, I would recommend paying for the damage out of pocket. Making a claim on your homeowner's insurance will increase your rates, most likely more than what it cost to make the repairs. Keep in mind your deductible will apply. Most deductibles for homeowner's insurance are $500-$1500. So the insurance company would just file the claim and you would still be responsible for the damage because it does not exceed your deductible. Long story short, avoid the hassle and pay for the damage yourself. Good luck and if you have any other questions, don't hesitate to ask.

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