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If I damage my own car can I make a claim on my insurance?
I accidentally damaged my car the other day when I was cutting my grass. I took my eyes off where I was driving and rammed my car with the riding mower. It caused surprisingly significant damage. Can I make a claim on my car insurance if I damaged my own car?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You can make a claim on your insurance if you damage your own car, but only if you have
collision coverage
or comprehensive coverage
. Both of these types of coverages allow you to file a claim, even if you were the party at fault.In your specific case, you’ll file a comprehensive claim on your insurance since the accident didn’t occur when you were driving the vehicle. You would only file a collision claim if you damaged your own vehicle in a single-car accident.
Since you’re filing a claim, your car insurance rates are likely to increase. But before you pay extra cash for the price increase, shop around on the
Jerry
app to compare multiple quotes all in one place.Jerry is a
trustworthy super app
and insurance comparison tool that collects quotes from over 55 top-rated insurers in just 45 seconds. After you find a great rate, Jerry can help you buy new insurance and cancel your old policy. Users save an average of $800+ per year.View full answer
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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