I was parked, and my door hit the car parked next to me because it
was so windy. It did some damage to the other car. How does this
work? Am I negligent? Would the damage to this other car go under
my comprehensive or collision insurance, as I have deductibles for
each one and want to know what to expect.
The good news is you don't have to pay a
to get the other car fixed. Your collision and
cover your own vehicle for damages, not other cars that you
When you damage another person's property, it is the
property damage liability
portion of your car insurance policy that will be used for their
claims. There is no deductible with this coverage for you, or the
damaged party, to pay. (See "
The parking-lot car insurance claim
It's very likely that your insurer will find you negligent and
accept the other person's claim for the damage your door did to
their car. The basic thought on this is while you didn't slam open
your door on purpose you still were negligent by not being able to
control the door. This type of situation isn't considered an act of
God like some believe. (See "'Acts of God' and your car
An act of God is an event due to natural causes that couldn't be
prevented by exercising caution on the part of a human. For
example, a hail storm that dents your vehicle's roof is not
something you can control. A door is controllable, and the insurer
will normally say if you exercised enough caution and foresight on
opening your door it wouldn't have hit the car next to you.
Since this was a minor accident, the resulting claim may not
affect your auto insurance rates. It will depend upon state laws
and your insurer's rating system, but, in some cases, your rates
won't be raised if the total damages are under a certain amount,
such as $1,000.
Or your rates may rise, especially if you've already made other
If your car's door was damaged in the incident, then you could
make a claim under your collision coverage. Your car's damage is
due to your door colliding with something, so the claim falls under
this coverage and not your comprehensive coverage. Your collision
deductible would be due.
If you find that the cost of the repair is less than your
deductible amount, there is no need to make a claim since your
insurer won't cover costs under that amount.