Self Inflicted Damage

Published Nov 15, 2011   

By sgbooth

I have minor damage to the hood of my vehicle which was caused by something flying up from the freeway to the front of my car but I did not submit a claim due to the damage being very minor. I then however had a really bad week and managed to damage both the driver and passenger side front wheel quarter panels as I backed down the driveway. Would this damage be covered even if it were self-inflicted? Would it be possible to submit a claim for all damage in its entirety?
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1 Comment
josh.michael.perry on Feb 10, 2012   10:39 AM

It all depends on the type of insurance coverage you have and how much time has passed since the damage was incurred. If you are thinking of being able to combine the damages in order to get your damages tot total an amount above the deductible on your comprehensive or collision coverage, it will not work in this case. You had two separate losses which would require two separate claims. As for your damage being 'self-inflicted', as long as you didn't intentionally damage your vehicle and you have full auto coverage (Liability + Comprehensive + Collision) you may be able to recover for your damages under either collision or comprehensive. You would need to contact your agent or the claims office for a more definitive answer.

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