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    ronaldgerhold's Avatar
    ronaldgerhold Posts: 1, Reputation: 1
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    #1

    Mar 17, 2005, 04:50 PM
    Garage door
    My daughter drove my truck into my garage door.I have allstate. They said that even though I have full coverage, That the garage door is not covered.
    Since it is my house and my car. I have property damage, and the work's
    Is this true? Do I have have to pay for the garage door?
    SweetCancion's Avatar
    SweetCancion Posts: 7, Reputation: 2
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    #2

    Jul 16, 2005, 05:47 PM
    Your auto ins needs to pay
    I worked as a Property/Casualty customer service rep and sales agent for American Express previously. I was licensed in insurance in over 46 states.
    Regarding the garage door, this is an expense that your auto insurance is liable to pay. You should not pay this out of pocket, as this is a covered benefit under your liability portion. One thing to consider, however, is the cost of the garage door. Any time your insurance pays out on a liability claim, you can guarantee a rate increase the following year or renewal term (The mere fact that there was an accident will also cause this, however the amount they are allowed to rate you up or whether they are legally allowed to rate you will depend on the amount paid for damages.) The property damage sustained by your vehicle is covered under your collision coverage, while the garage door is covered under your liability. You could file with your home insurance, but be sure to advise them that this was a loss due to a motor vehicle accident and provide all your auto insurance info. They will then subrogate for you from your auto carrier.
    If your auto insurance refuses to cover this, you need to contact the insurance commissioner. This is illegal and poor business practice.
    sushmani's Avatar
    sushmani Posts: 1, Reputation: 1
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    #3

    Oct 18, 2005, 10:44 AM
    Similar incident
    I had a similar episode with my car backing out of garage and hitting garage door. My auto and home owners insurance are with Safeco.

    Safeco agent tells me that car repair is covered under auto collision, and garage repair is covered under home owners insurance. That means two deductables apply one for auto and one for home owners insurance.

    Is this correct?
    Wouldn't the auto liability cover garage repairs?

    What if I have home owners insurance from a different insurance company?
    (I guess then also it would be two different deductibles)
    SweetCancion's Avatar
    SweetCancion Posts: 7, Reputation: 2
    New Member
     
    #4

    Oct 19, 2005, 01:07 AM
    Same story
    Again, yes your liability should cover the property damage to your garage door. My previous response is applicable to you as well. Good luck!
    BeckG's Avatar
    BeckG Posts: 8, Reputation: 1
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    #5

    Jun 5, 2012, 06:42 PM
    I have a similar incident, but my friend was backing out of my garage and the garage door was coming down, she hit it. Who is to pay for the garage damage and her car damage. She got estimate for me to fix her car. She did the damage not me. Does any body know

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