Does car insurance cover car doors dinging another car?

Accidents happen occasionally, and you may have inadvertently hit another car with your door when getting in or out. You’ll want to know how to rectify the damage and may be thinking about contacting your insurance company in this case. 

So, what do you do if your car door hits another car and damages it? We know that you want to do the right thing and have found some of the answers for you below.

If I hit a vehicle with my car door, will car insurance pay?

You must file a claim under your property damage liability coverage if you want to involve your car insurance company. This type of coverage will pay for any damage you cause to another vehicle or property.

What if I live in a no-fault state?

Some people think the situation can vary based on whether you live in a no-fault state or an at-fault state. However, this difference only applies to a claim for bodily injury, where each insurance company will cover the claim on behalf of the client. 

When it comes to property damage, auto insurance companies handle these claims the traditional way, no matter which state you live in.

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What should I do if my car door hit another car?

If you are responsible for damage to another vehicle, you should always try to contact the owner. Many of these incidents happen in shopping mall parking lots where cars are lined up very close to each other. 

In this case, you should go into the shopping mall and ask the staff to try and locate the owner of the vehicle for you. If this proves impossible, leave a note on the other car’s windshield with your contact details.

How do I process a car insurance liability claim?

If you decide that you want to process a claim through your auto insurance company for the damage that you caused to the other car, gather as much information as you can first. You will want the contact details of the other party, together with information about the vehicle. It would help if you also took photographs of the damage and the general location.

Next, call your insurance company and talk to an agent. They will provide you with the relevant forms to fill out so they can process the claim for you.

What if my car door hits another, and I leave?

This is illegal, and you could face a fine if the police decide you are responsible for this type of hit-and-run damage. 

Always try to locate the other driver if they are not present at the incident and exchange insurance details if you choose to process a claim through your insurer. Otherwise, you can decide to pay for the damage yourself.

What if someone else hits my car with their door — should I claim?

Sometimes, you may be the victim of a parking lot hit-and-run. In this case, you need to assess the extent of the damage and decide whether you want to file a claim against your insurance. You’ll probably have to cover the cost of a deductible and may wonder whether it is worth filing. After all, you may have to pay increased rates in the future following such a claim.

Unless you must have a pristine car, it is probably not worth the effort to pursue an insurance claim. Often, the damage caused by a swinging car door is relatively minor, and it is perhaps not worth the hassle or expense of involving your insurance company.

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What should I do if my car door hits another car?

You will be responsible for the damage if you or your passenger accidentally hit another vehicle with your car door. If the other driver is there, you can discuss the issue with them and decide whether you will pay for the damage out of pocket or file a claim with your insurer. 

If the other driver is absent, you should take steps to try to locate them or leave your details on a note attached to the windshield. It may be better for you to settle out of pocket rather than pay your deductible and risk higher insurance rates in the future.

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