What happens if you hit your own car in your driveway?

I didn't actually hit it myself, but my wife’s accelerator got stuck in our driveway, and she hit my truck head-on. This damaged both vehicles, including the motors in both of them. What should I do?

If both vehicles were damaged in the same driveway accident, the best next step is to contact your insurance company as soon as possible to start a claim. How this gets handled depends on your coverage and how the vehicles are insured (as well as your specific company's policies).

• If both cars are on the same policy, your insurer will typically treat this as a single incident involving multiple vehicles.
• Collision coverage is what pays for damage to your own vehicles, regardless of fault.
• You may have to pay a deductible for each vehicle, depending on your policy.
• Since the accident involved a possible mechanical issue (like a stuck accelerator), the insurance company may investigate whether it was driver error or a vehicle malfunction.

To help your claim go smoothly:

• Take photos of the damage and the scene
• Write down exactly what happened while it’s still fresh
• Avoid moving the vehicles until you’ve documented everything, if possible

Because situations like this can get complex, your insurer will guide you through the details and let you know exactly what’s covered. Don't be afraid to ask your agent or adjuster questions if you're unsure about how the process works. I hope this helps and that you get your cars fixed soon!