Does Car Insurance Cover Accidents On Private Property?

Car insurance is an important part of any driver’s life. It provides protection in case of an accident and helps to pay for damages and medical bills. But what happens when an accident occurs on private property? Does car insurance still cover the damages?

The answer is that it depends on the type of insurance coverage you have. Most basic car insurance policies will only cover accidents that occur on public roads and highways. This means that if you are involved in an accident on private property, such as a driveway, parking lot, or private road, your insurance may not cover the cost of repairs or medical bills.

What Does Comprehensive Insurance Cover?

Comprehensive insurance is an optional type of coverage that is designed to pay for damages that are not caused by a collision. This includes theft, fire, and vandalism. It can also cover damage caused by animals or natural disasters. In some cases, comprehensive insurance can also cover accidents that occur on private property. However, it is important to check with your insurance company to make sure that you have this type of coverage.

What to Do if You Are Involved in an Accident on Private Property

If you are involved in an accident on private property, it is important to take the following steps:

Call the police to report the accident.
Take pictures of the scene to document the damage.
Get the contact information of any witnesses.
Contact your insurance company to file a claim.

Your insurance company will then investigate the accident and determine if your policy covers the damages. If so, they will provide compensation for the repairs and medical bills. If not, you may be responsible for the costs yourself.

Conclusion

Accidents on private property can be complicated since they are not typically covered by basic car insurance policies. However, if you have comprehensive insurance, you may be able to get coverage for such an accident. It is important to check with your insurance company to make sure that you have this type of coverage.

If you are involved in an accident on private property, it is important to take the necessary steps to document the scene, contact the police, and contact your insurance company. This will help to ensure that you get the coverage you need for any repairs or medical bills.