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...

Damage to fog light insurance claim

So there are a few things to consider before you file the claim.How much does it cost to repair the damage to your car? If it's less or close to the amount of your deductible, then you wouldn't want to file a claim because they wouldn't pay much for the damages, if any at all.Is the …
Aug 15, 2018 Kennewick, WA

I was in an at-fault accident and don't have collision insurance

Unfortunately, you don't have a lot of options here unless you had specifically asked for collision and comprehensive coverage and your insurance representative never applied it or charged you for it. Collision and comprehensive is the coverage that offers physical protection for your vehicle …
Feb 14, 2018 Bakersfield, CA

How long do I have to file a property damage claim in North Carolina?

Thanks for reaching out to the Zebra. I'm sorry to hear you're going through this! An accident is stressful enough without worrying about time limitations.The statute in North Carolina for filing a property damage claim is technically three years. However, I would recommend taking care of…
May 26, 2022 High Point, NC

If I'm the victim of a hit and run will my rate increase?

The accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs. If you have uninsured motorist coverage (which covers a hit a run) and this coverage was used to pay for the damages, the accident will be listed as not-at-fault. Not-at-fault acc…
Feb 25, 2019 Houston, TX