It’s more common than you think—you’re rushing out of your Brooklyn driveway and accidentally back into your garage door. Now you’re stuck with a dented car and a broken door. The big question is: Will your car insurance cover the damage to the garage door?
At Garage Door Repair Brooklyn , we get this question a lot. Here’s everything you need to know about insurance coverage in this situation and how to get your garage door fixed quickly and affordably.
🚘 What Type of Insurance Covers Garage Door Damage?
If you hit your own garage door, your auto insurance and homeowners insurance may both play a role—but they cover different parts:
- Auto insurance (collision coverage): Pays for damage to your car.
- Homeowners insurance: May pay for damage to the garage door, but only if you carry the right coverage and the deductible is met.
Your collision coverage on your auto policy is typically what covers damage to your vehicle. However, the garage door itself is part of your property—so you’ll need to file a claim under your homeowners insurance for that part.
Want to learn more? Read our detailed blog:
👉 Does Homeowners Insurance Cover Garage Doors?
🏠 When Will Homeowners Insurance Cover the Garage Door?
If your garage door is damaged accidentally by your own vehicle, your homeowners insurance may cover the repair—but only if your policy includes that specific coverage and you’re willing to pay the deductible.
If the cost to repair the door is less than your deductible, you’re better off paying out of pocket and avoiding a claim that could increase your premium.
❌ When Insurance Might Not Help
Insurance won’t cover damage if:
- You don’t carry collision coverage on your auto policy.
- Your homeowners insurance excludes accidental damage by the homeowner.
- The garage door damage is due to wear and tear or poor maintenance.
Pro Tip: If you’re unsure about your coverage, contact your insurance agent before filing a claim.
🛠 Need Garage Door Repairs in Brooklyn?
No matter how the damage happened, Brooklyn NY Garage Door Repair can help. We provide:
- Fast, professional garage door repairs
- Written estimates for insurance claims
- Help navigating your claim process
- Emergency service throughout Brooklyn
If your garage door isn’t opening properly or is visibly damaged after an accident, don’t delay. The longer you wait, the worse the damage could get.
Final Thoughts
If you accidentally hit your garage door with your car in Brooklyn, collision coverage may help with your car’s repairs, while homeowners insurance may help with the door itself. Always check your policy terms and deductibles before filing a claim.
Why Homeowners Tru..
