Does Car Insurance Cover Self Inflicted Damage?

1. 

   16470 POINTS

   view profile
   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   A typical insurance policy will contain an exclusion for any and all damage that is self inflicted damage to covered property. If insurance carriers paid out on claims where the damage to an insured item was self inflicted then they more than likely would not remain in business very long. Please remember every policy is different. Read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.

   Answered on September 20, 2013

   flag this answer
2. 

   14231 POINTS

   view profile
   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   I am going to make the assumption that you are perhaps talking about you driving your car and unfortunately coming into contact with something that causes damage to your car. In that case, the damage would be covered under the Collision portion of your policy and subject to your deductible. I am hopeful that you are not talking about willfully damaging your car in some way because doing that and then attempting to file a claim with your insurance company might be considered insurance fraud which is a very serious crime. For that reason,. I am assuming you meant my first example.

   Answered on December 23, 2015

   flag this answer
Did you find these answers helpful?
Yes
No
Go!

Add Your Answer To This Question

You must be logged in to add your answer.