Suppose my garage collapsed onto my car. Are damages covered by my home insurance or auto insurance?
Generally, damage to an automobile will be covered by comprehensive car insurance, which is in addition to collision coverage that applies to a car or truck while it is in use. In addition to accident insurance, comprehensive insurance will generally cover damage to an automobile that didn't stem from a driving accident.
This type of comprehensive car insurance can cover a wide array of damages stemming from natural disasters, such as tornadoes or hurricanes, theft and vandalism, and falling objects, the last of which includes a garage door that fell onto an automobile. Similarly, a tree falling on a car would qualify and be covered under this comprehensive car insurance.
If the garage is also damaged when falling onto a car, the garage damage is most likely going to be covered by your home insurance. With any insurance, it doesn't hurt to talk to an agent or insurance company to make certain of coverage and premiums that are going to be charged. For instance, all-terrain-vehicles (ATV) might be covered by homeowners insurance while parked in a garage, meaning they could be covered if a garage falls and damages them. However, this will most likely not apply to automobiles, motorcycles or boats, which can carry their own coverage.
Homeowner's insurance is mostly likely going to cover other personal property that might be damaged by a falling garage, but because a car has separate insurance and comprehensive car insurance is available, this is going to be the insurance that covers the automobile. Car theft in a garage is another tricky scenario, but should also be covered by the comprehensive auto-insurance policy.
Overall, this is meant to demonstrate the multiple possibilities that arise when insuring a home and its contents, which may include an automobile in the garage. Again, talking specifically with an insurance agent is going to be among the best ways to ensure that coverage will be provided in case an accident occurs.