Does Insurance Cover If You Damage Your Own Car?

Introduction

Car insurance is essential for any car owner, no matter how careful you are when driving your car. This is because you never know when an accident might occur, and you might have to pay for damages to your car or those of someone else. So the question that arises is, what if you damage your own car? Will your car insurance cover the damages or not?

Insurance Coverage

The answer to this question is usually yes, but it depends on the type of car insurance policy you have. Comprehensive car insurance, also known as “full coverage”, usually covers any damage to your car, regardless of who caused the damage. This means that if you damage your own car, your insurer will cover the repair costs.

On the other hand, if you have a third-party insurance policy, then your insurer will only cover the costs of repairing the other person’s car if you cause an accident. This means that if you damage your own car, you will have to pay for the repair costs yourself.

Exclusions and Conditions

It is important to keep in mind that there are some exclusions and conditions to the insurance coverage. For example, if you damage your car while driving under the influence of alcohol or drugs, then your insurer may not pay for the repair costs.

Also, if you damage your car due to an act of nature, such as a storm, then your insurer may not cover the repair costs. And if you damage your car due to wear and tear, then your insurer may not pay for the repair costs either.

Conclusion

To conclude, your car insurance policy may cover the repair costs if you damage your own car, but it depends on the type of policy you have and the cause of the damage. Comprehensive car insurance usually covers any damage to your car, regardless of who caused it. However, there are some exclusions and conditions to the insurance coverage, so make sure to read the policy carefully before buying it.