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Crash! Backing or driving into your garage door – or someone else’s for that matter – is one of those embarrassing little accidents that you hope never happens to you. Yet it can happen to the best of us. When it does happen, however, the question becomes who is going to pay for the garage door damage and when will it be covered by insurance (homeowners or auto).<\/p>\n
Damage to Your Vehicle<\/strong><\/p>\n Your auto policy generally only protects your car against loss. Whether said loss occurs as the result of a collision with another vehicle, theft, or a tree totaling it is debatable. Driving your car into your own closed garage door is typically not covered under an auto policy. You’d need to look to your homeowners insurance, a general liability policy, for coverage to the door. However, if you were to back your car into someone else’s door, then look to your auto insurance policy. Should your vehicle become damaged in the process, auto insurance may pick up the tab for its repair costs, but only after your deductible has been met.<\/p>\n