Auto Insurance Claims Shreveport, Louisiana LA

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Reader’s Question:

If I have liability auto insurance on my car in Shreveport, Louisiana and my car causes damage to my own property will it cover fixing damages to my property?

Martin

Shreveport, Louisiana

It will actually depend upon the terms of your car insurance policy as well as state laws but likely it would not pay to fix your own property. Usually Property Damage liability coverage covers you if your vehicle damages someone else’s property and not yours. Usually it is their vehicle, but it could be a fence, a house or any other property damaged in any car accident. If you damage your own property then your car liability insurance may not pay out for it. The concept involved in this type of situation is commonly referred to as a household exclusion. The mandatory liability coverage on your car protects members of your household against claims brought by people who are not part of the household. From time to time, this issue of household exclusions comes up for discussion in different states. However, according to the Commissioner of Insurance in Louisiana, it still continues to be an established rule of law recognized throughout the United States and beyond. If you hit your own fence, mailbox, etc then you may want to see if you can make a claim through your homeowner’s policy if your car insurance company in Shreveport, LA does not take your claim.

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