Q: I accidentally drove my car into my garage door. Now what?

Q: I accidentally drove my car into my garage door. Do I need to be making a home or auto insurance claim?

A: Unfortunately you would need to file a claim on both policies. While auto insurance policies do offer coverage for property damage, there is an exclusion for property you own (including your home, fence, or a bike left in the driveway). Likewise, with home insurance policies, automobiles are specifically excluded. There can be a silver lining in these situations; If you have both your home and auto policies with the same carrier, most insurance companies will waive one of your deductibles.