Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • You might be covered on your own property as well as someone else’s property
  • What happened will play into how insurance handles the claim
  • You need to have more than basic coverage to have the best protection

If something happens to your car on private property, it’s important to know whether car insurance will cover the claim. Otherwise, you could end up paying for all of the repairs on your own.

Much of the outcome will depend on what happened as well as what kind of coverage you have on your policy.

Enter your zip code above to compare car insurance quotes side by side using our free rate tool above.

What happened?

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All sorts of things can happen when you’re on private property. What happened to your car will determine how the claim is handled by the insurance company.

Whether the damage happened on your property or someone else’s private property is not the main determining factor.

How the car was damaged, however, will be a major factor as it will determine if you have the coverage and whether it’s allowed within the confines of your policy.

Damages could result from the following situations:

  • backing into another vehicle or structure
  • falling debris damaging the car’s exterior
  • driving into a ditch
  • vandalism

Ultimately, you never know what could happen on private property. It could be someone else’s doing, an animal running into your car, or even an act of nature, such as a storm or earthquake.

If you have the right coverage on your policy, you can have enough protection to cover you against just about anything. It’s important to get quotes to see what the cost is. You can often increase coverage without spending a lot more on insurance premiums.

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Looking at Your Coverage

Your coverage is an important part of determining if you are covered on private property. Insurance often doesn’t care where the accident took place.

They take care of you when you have the coverage in place and if you are in violation of any of the fine print on your policy.

For example, if you were on a racetrack when your car got damaged, you probably won’t be covered because it goes against the fine print on many policies.

You have what the state requires of you. Your basic policy covers if you’re involved in an accident with another vehicle. If you’re on private property and someone crashes into the side of you, you’re covered.

Your property damage and bodily injury liability protection will kick in to take care of everything up to the levels you have in place.

There are various things that could happen on private property that doesn’t involve an accident with another vehicle, though. You need to add on more coverage to your insurance policy.

Comprehensive coverage takes care of everything you couldn’t possibly anticipate happening. You would be covered against such scenarios as:

  • A deer running into your car
  • A branch falling on your roof
  • A kid painting your door
  • Vandalism

Collision coverage is another thing to have on your policy as it handles rollovers as well as collisions. If you drive into someone’s garage or you roll over in their ravine, you would have the coverage in place for insurance to take care of it.

Adding to your policy doesn’t have to cost a fortune. Getting online quotes allows you to see the financial impact and also compare between the different insurance companies that write policies in your state.

Exploring Other Options for Repairs

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If you don’t have the coverage on your car insurance, there are often other ways to get the repairs covered.

If damage happens to your car on your property, your home insurance policy might provide you with protection. However, this protection will depend on the fine print you have within your home insurance policy.

Falling branches and more, particularly after a storm, are relatively common. If your car was in the way when they fell, you want to know how it’s possible to get the repairs taken care of. Otherwise, you could be spending thousands of dollars of your own money.

If the damage happens on someone else’s property, residential or commercial, you might have the ability to sue in order to get the repairs covered. When this happens, you might also encounter legal expenses.

There might be signage on the private property stating that you drive/park at your own risk. In such an instance, you might not be able to sue because you have chosen to enter the property of your own accord.

Ultimately, you are covered if you drive on private property in most instances. If you have enough coverage, you can file a claim with confidence.

It’s best to increase coverage beyond what the state requires so you have protection against more scenarios that could occur.

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