Collision

Liability insurance only covers damages you directly cause. It never covers your own property.

If you no longer have the vehicle and you don't intend on insuring a new vehicle with the same company, you should be able to back date cancel it to the day after the accident. Your best bet is to call your carrier’s customer service line and see what they can do for you.

Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.

Whether or not you could get into hot water legally-speaking depends on a few factors: 1. Was there another party involved in the collision?

Thank you for the question. I would avoid filing a claim unless the damage is severe.

Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.

It would be covered under collision coverage. Collision covers damages anytime the car collides with another object. Comprehensive coverage will cover other damages to the car that does not involve a collision such as, fire, theft, or vandalism.

Legally you are only required to have state minimum liability coverage on either of your cars. If you are financing either car, your finance company will most likely require you to have comprehensive and collision coverage on the car.

There are a few things to consider. First, whether you file a claim or not, most insurance companies require you to report every accident.

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.