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Auto Insurance Claims/Liability involving two cars under same policy

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Expert: - 2/1/2010


Question
My 22 year old daughter backed into my car this morning, causing very significant damage to both vehicles. Both cars are insured under the same policy (21st Century) but my understanding is, this would not be covered under my policy.
I was hoping for an independent opinion before I decide what to do.

Answer
Hi David,

This would only be covered if you have collision coverage on both vehicles. Each claim would incure a deductible. The reason for this is that since both car are insured on the same policy they are both considered to be yours and that basically you backed into yourself. The liability portion of your policy will not pay because you can not be considered to be liable to yourself.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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