Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Should I file a claim if I damaged my car backing out of the driveway but I only have liability?

I ran over a chair while leaving the garage and my bumper got ripped off. I've never been in an accident or filed a claim.

Jun 21, 2017 Dallas, TX

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

If you only have liability coverage then you won't be able to file a damage claim. Your policy would need to include collision coverage at the time of the incident for you to be able to get it repaired through your insurance provider. Unfortunately, you aren't able to add any additional coverage after the fact for the purposes of filing a repair claim so we'd recommend not bothering to do so.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Should I file a claim for damage that I caused to someone's bumper?

I would recommend having the other driver get an estimate first. This way, you can decide if the repair costs are affordable enough to pay for the damage yourself. If the repair costs are not feasible for you to pay on your own then you would need to file a claim with your insurance company. And wh…
Feb 1, 2017 Jackson, MS

Will my State Farm car insurance cover the damages to a person's balcony if we hit it while driving a Uhaul?

Yes, your State Farm policy should cover the damages that you caused to the balcony; that is exactly what liability coverage is for. If for some reason it does not, you can always use the insurance you purchased through U-Haul as a backup which should cover the damages. Keep in mind, the accident w…
Sep 28, 2018 Long Beach, CA

An automated security gate hit my door, should I file a claim or get them to pay for the damages?

It's unlikely the company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost. Especially because this type of…
Dec 10, 2017 Portland, Oregon

What is the 80% rule in homeowners insurance?

As you stated, your home is covered up to 150% of the dwelling amount so this is not something you should be concerned about. However, it is a good example of why it is so important to properly insure your home. It also benefits you as a consumer and homeowner to understand the basics of your homeo…