Can I file a claim against myself if I have "liablilty only" coverage on both vehicles?

Question

I own two cars. Both are covered with a liability policy without any additonal coverage. If I am driving one of my cars and crash into the other (while parked) can I file a claim against myself?

Answer 1

no. They will not allow this or everyone would be doing it. If the cars are owned by you or on the same insurance you cannot do it.

Answer 2

You have to check your policy. Most of the time if you do this, the policy under liability excludes coverage for damages done to property owned by the insured. That means you'd have to make a collision claim (actually two-one for each car) if you carried that coverage, which you don't. Most policies exclude it, and that prevents you from hitting your own cars and getting them paid for on the same policy.

Answer 3

No. Even though the cars are separate, the policy isn't. You have one policy that covers as many vehicles as you own, but think of it as blanket coverage. No can't separate and make claims against the one policy that covers them all.

The idea of liability coverage is to protect you when you have damaged SOMEONE ELSE'S property.

Answer 4

In theory you could, especially if you had the cars insured by separate policy. But since Insurance company makes every efort to recover the money every time there is an accident. They would be billing you (in advance) for the same money they are giving you.
In reallity, they will only say, No way. (and probably laugh about it.)

Answer 5

I have heard of it and don't see why not. It's possible to slide on ice or accidently back into it. Why not? I do know that attorneys sue a persons own insurance under certain conditions when involved in accidents.

Answer 6

the liablity coverage only takes place if your being sued. And since you crashed into your own car, probably not...

Answer 7

depends on your insurance provider and the way the policy is written

Answer 8

you can, but your insurance on both cars will go up