If my wife hit my parked car parked and both carswere damaged, will the insurance company pay for all repairs?

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If my wife hit my parked car parked and both carswere damaged, will the insurance company pay for all repairs?

My wife and I together. The 2 cars are on the same insurance policy. The parked car is my property and has basic liability coverage only. The car my wife was driving has collision coverage, with a $500 deductible. The adjuster told me that they will support my wife’s car repair minus the deductible, but will not cover a dime for my car’s damage, which was parked on the driveway, since I do not have collision coverage. Is that right? Doesn’t the insurance cover for insured people liability as well? In this case my wife destroyed my property.

Asked on July 5, 2011 under Accident Law, Texas

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

You need to review the policy terms in detail--and you should ask the insurer to reference the terms or provisions which they believe support the denial of coverage--but as a general rule, liability coverage does *not* protect the insured against damage done by himself/herself, by another covered driver, or by a permitted driver (e.g. someone borrowing a car with permission). Even though two cars are involved here, since they are both yours, on the same policy, the insurer is treating this as it would the situation where you or your wife ran into a tree or truck and wrecked a car--you could claim under collission coverage for that, but not under liability. So while you need to check the specific policy language and exclusions, I suspect that there is language in there that liability does not cover the insured for damage to his/her property.


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