How do I make a claim on damage I caused to my own car?

Last week, I failed to check where my mirrors were before pulling out of my spot, and accidentally knocked one clean off. (It was not my finest moment.) I don't think I have the funds to cover the repairs out of pocket, and I obviously need to be able to drive my car, but I don't know if I can make a claim on damage that I did myself. Where would I even start to file this kind of claim?

First of all, I’m so sorry about the damage to your car! If you want to file this claim, you’ll need to start off by contacting your insurance company’s claims department.
Here’s the process:
  • Call the claims department or file a claim through your insurance company’s mobile app
  • Find out if you have the proper coverage for this claim on your policy
  • Answer all questions honestly
  • Provide photos of the damage if necessary
  • Obtain a repair quote
If your policy doesn’t include collision insurance, and you want to have this protection without breaking the bank, you can get free insurance quotes using Jerry. Jerry will even help you switch to a new policy and cancel your old one.
Ben Guess
Answered on Nov 01, 2021
Ben has a BA in Journalism + Design from The New School, as well as three years’ experience in content writing and data journalism. They are deeply interested in how the car industry intersects with issues of inequity in the world, as well as in making auto insurance more accessible through writing. When they’re away from the keyboard, they enjoy baking, embroidering, and playing Dungeons and Dragons with friends. They are based in Boston, Massachusetts.

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