Will damage to my car from a snowplow be covered under my homeowners insurance policy?

If one of the snowplows damages my car, would it be covered under my homeowner's policy? I live in Connecticut and we get tons of snow. The snow plowers in this area drive crazy and it makes me worry about my car.

Answer
“Unfortunately, your homeowner’s policy excludes automobiles that belong to you from coverage.
However, you can file a claim through the collision coverage on your auto policy in this situation.
Make sure to let your insurance carrier know that the accident was done by a plow, whether it was a local company or a plow sent out by your city. This would be considered a not-at-fault accident and your carrier will look to be reimbursed by the responsible party. You may even get the deductible back!
The best thing to do in winter is to keep your car parked in your driveway as much as possible. This way, wild snow plow drivers won’t be a concern.”
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Shannon Martin
Answered on Jul 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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