If I Damage My Own Car, Can I Claim on My Insurance?

Donald D'Aunoy • August 1, 2024

Accidents happen, and sometimes we find ourselves at fault. If you damage your own car, whether by hitting an object or through a mishap in your driveway, you might wonder if your insurance will cover the costs. Understanding your insurance policy and the coverage it provides is essential to navigate such situations effectively.


Understanding Comprehensive and Collision Coverage

When it comes to self-inflicted car damage, the key types of coverage to consider are comprehensive and collision coverage. Collision coverage specifically covers damage to your vehicle resulting from a collision with another car or object, regardless of who is at fault. This means if you accidentally back into a pole or misjudge a turn and hit a tree, collision coverage can help pay for the repairs.


On the other hand, comprehensive coverage covers damage to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters. For example, if a tree branch falls on your car during a storm, comprehensive coverage would come into play.


Filing a Claim for Self-Inflicted Damage

If you’ve damaged your car and have collision or comprehensive coverage, the next step is filing a claim. Here’s how to navigate the process:


  1. Assess the Damage: Before contacting your insurance company, evaluate the extent of the damage. Take photos and make notes about how the damage occurred. This documentation will be useful when filing your claim.
  2. Contact Your Insurance Company: Reach out to your insurance provider to report the incident. Provide them with all the necessary details and follow their instructions for submitting a claim.
  3. Deductibles and Coverage Limits: Be aware of your policy’s deductible, which is the amount you pay out-of-pocket before your insurance kicks in. If the repair costs are less than your deductible, it may not be worth filing a claim. Also, consider your coverage limits and whether the damage falls within these limits.


Potential Impact on Your Premiums

Filing a claim for self-inflicted damage can impact your insurance premiums. Insurance companies often raise premiums after a claim, especially if you’re found at fault. It’s essential to weigh the cost of repairs against the potential increase in your premiums. In some cases, paying for minor damages out-of-pocket might be more cost-effective in the long run.


When to Consult a Car Accident Attorney

While handling self-inflicted damage claims is typically straightforward, there are situations where consulting a car accident attorney in New Orleans might be beneficial. For example, if you encounter disputes with your insurance company over claim denials or inadequate compensation, an attorney can provide valuable assistance. We can help you understand your rights, negotiate with the insurer, and ensure you receive the coverage you’re entitled to under your policy.


Preventive Measures to Avoid Future Damage

To avoid future incidents and the hassle of dealing with insurance claims, consider these preventive measures:


  • Drive Cautiously: Always stay alert and avoid distractions while driving. Pay attention to your surroundings, especially in areas with tight spaces or obstacles.
  • Regular Maintenance: Keep your vehicle in good condition through regular maintenance. Well-maintained brakes, tires, and other critical components can help prevent accidents.
  • Safe Parking: Be mindful of where you park your car. Avoid parking under trees during storms and choose spots with minimal risks of damage.


Conclusion

Accidents that result in self-inflicted damage to your car can be frustrating and costly. However, with the right insurance coverage and a clear understanding of your policy, you can mitigate the financial impact. Whether you decide to file a claim or pay out-of-pocket, knowing your options and the potential consequences can help you make informed decisions. And when in doubt, consulting a car accident attorney in New Orleans can provide additional peace of mind and guidance through the claims process.


Contact Lawyer Don at 504-508-6414, or visit us at our Metairie office located at 1000 Veterans Memorial Blvd #203, Metairie, LA 70005.

How Dangerous Texting While Driving Really Is

By Donald D'Aunoy • May 12, 2025
In today’s fast-paced world, the urge to stay connected at all times can lead to dangerous consequences, especially when it comes to texting while driving . This act, seemingly harmless for those who believe they can multitask , has proven to be a significant cause of accidents on the road . As a personal injury lawyer in New Orleans , I have seen firsthand the devastating impact that a moment’s distraction can have on lives and families. This blog post aims to shed light on the real dangers of texting while driving and why it’s a risk not worth taking . The Reality of Distracted Driving Texting while driving is a form of distracted driving that has garnered national attention due to its high potential for causing accidents. When drivers take their eyes off the road to send a text, they are not just diverting their visual attention but also their manual and cognitive focus away from driving. This triple threat significantly increases the likelihood of an accident. Studies have shown that texting while driving can delay a driver’s reaction time as much as alcohol consumption. The reality is stark: drivers who text are 23 times more likely to be involved in a crash than those who don’t. The Legal Implications in Louisiana In Louisiana, the law is clear: texting while driving is illegal. This legislation reflects a growing awareness of the dangers associated with mobile phone use behind the wheel. As a personal injury lawyer in New Orleans, I have navigated the complexities of Louisiana’s distracted driving laws to advocate for victims of such negligence. The legal system in our state recognizes the severe risks posed by texting and driving, imposing penalties on those who disregard this law. However, beyond the legal consequences, the real cost of texting while driving can be measured in human lives — the injuries and fatalities that could have been avoided. The Role of a Personal Injury Lawyer When accidents caused by texting while driving occur, the victims often face a long road to recovery. Physical injuries, emotional trauma, and financial burdens are common aftermaths. As a personal injury lawyer in New Orleans, my role is to ensure that victims receive the justice and compensation they deserve. Through meticulous investigation and leveraging Louisiana’s distracted driving laws, I work to hold negligent drivers accountable for their actions. My commitment to my clients goes beyond legal representation; it’s about restoring their peace of mind and helping them rebuild their lives. Conclusion The dangers of texting while driving are clear, and the consequences are too severe to ignore. It’s a societal issue that requires collective action — from stricter enforcement of distracted driving laws to individuals committing to never text and drive. As a community, we must prioritize safety over convenience to prevent needless accidents and loss of life. If you or a loved one has been affected by a distracted driving accident, know that you are not alone. As a personal injury lawyer in New Orleans, I am here to offer the legal support and guidance needed to navigate the aftermath of such incidents. In conclusion, texting while driving is a dangerous practice that puts everyone on the road at risk. The momentary satisfaction of sending a text is never worth the potential for causing harm. Let’s commit to keeping our roads safe by keeping our phones down and our focus on the road ahead. If you find yourself in need of assistance or legal advice following a distracted driving accident , do not hesitate to reach out to a personal injury lawyer in New Orleans who can help protect your rights and interests.

What to Do If You Get Into a Car Accident During a Festival

By Donald D'Aunoy • April 23, 2025
Festivals in New Orleans are a time of celebration, music, food, and community. From Mardi Gras to French Quarter Fest, the streets come alive with excitement. However, with all the joy and chaos, the risk of car accidents significantly increases. Crowded streets, distracted drivers, and an influx of tourists unfamiliar with local roads can quickly […]

Why Traffic Accidents Increase During the New Orleans Jazz Fest

By Donald D'Aunoy • April 16, 2025
Every year, the New Orleans Jazz & Heritage Festival draws hundreds of thousands of visitors from across the country, transforming the city into a vibrant cultural hotspot. While this festival brings music, food, and celebration to the forefront, it also unfortunately brings a spike in traffic accidents. The city’s streets become more congested than usual, […]

Common Causes of Car Accidents During Spring Festivals in New Orleans

By Donald D'Aunoy • April 9, 2025
Spring in New Orleans is a season filled with vibrant energy, cultural celebrations, and lively festivals. From Mardi Gras to French Quarter Fest and countless neighborhood parades, the city becomes a magnet for locals and tourists alike. While these events bring joy and excitement, they also create an environment where traffic incidents spike dramatically. Understanding […]

How to Stay Safe During the French Quarter Festival in New Orleans

By Donald D'Aunoy • April 3, 2025
The French Quarter Festival is one of the most anticipated cultural events in New Orleans. Drawing in thousands of locals and tourists alike, it offers an incredible mix of live music, food, and local art. But with large crowds, heavy foot traffic, and busy streets, safety should be a top priority for anyone attending. Whether […]

How Dangerous Texting While Driving Really Is

By Donald D'Aunoy • May 12, 2025
In today’s fast-paced world, the urge to stay connected at all times can lead to dangerous consequences, especially when it comes to texting while driving . This act, seemingly harmless for those who believe they can multitask , has proven to be a significant cause of accidents on the road . As a personal injury lawyer in New Orleans , I have seen firsthand the devastating impact that a moment’s distraction can have on lives and families. This blog post aims to shed light on the real dangers of texting while driving and why it’s a risk not worth taking . The Reality of Distracted Driving Texting while driving is a form of distracted driving that has garnered national attention due to its high potential for causing accidents. When drivers take their eyes off the road to send a text, they are not just diverting their visual attention but also their manual and cognitive focus away from driving. This triple threat significantly increases the likelihood of an accident. Studies have shown that texting while driving can delay a driver’s reaction time as much as alcohol consumption. The reality is stark: drivers who text are 23 times more likely to be involved in a crash than those who don’t. The Legal Implications in Louisiana In Louisiana, the law is clear: texting while driving is illegal. This legislation reflects a growing awareness of the dangers associated with mobile phone use behind the wheel. As a personal injury lawyer in New Orleans, I have navigated the complexities of Louisiana’s distracted driving laws to advocate for victims of such negligence. The legal system in our state recognizes the severe risks posed by texting and driving, imposing penalties on those who disregard this law. However, beyond the legal consequences, the real cost of texting while driving can be measured in human lives — the injuries and fatalities that could have been avoided. The Role of a Personal Injury Lawyer When accidents caused by texting while driving occur, the victims often face a long road to recovery. Physical injuries, emotional trauma, and financial burdens are common aftermaths. As a personal injury lawyer in New Orleans, my role is to ensure that victims receive the justice and compensation they deserve. Through meticulous investigation and leveraging Louisiana’s distracted driving laws, I work to hold negligent drivers accountable for their actions. My commitment to my clients goes beyond legal representation; it’s about restoring their peace of mind and helping them rebuild their lives. Conclusion The dangers of texting while driving are clear, and the consequences are too severe to ignore. It’s a societal issue that requires collective action — from stricter enforcement of distracted driving laws to individuals committing to never text and drive. As a community, we must prioritize safety over convenience to prevent needless accidents and loss of life. If you or a loved one has been affected by a distracted driving accident, know that you are not alone. As a personal injury lawyer in New Orleans, I am here to offer the legal support and guidance needed to navigate the aftermath of such incidents. In conclusion, texting while driving is a dangerous practice that puts everyone on the road at risk. The momentary satisfaction of sending a text is never worth the potential for causing harm. Let’s commit to keeping our roads safe by keeping our phones down and our focus on the road ahead. If you find yourself in need of assistance or legal advice following a distracted driving accident , do not hesitate to reach out to a personal injury lawyer in New Orleans who can help protect your rights and interests.

What to Do If You Get Into a Car Accident During a Festival

By Donald D'Aunoy • April 23, 2025
Festivals in New Orleans are a time of celebration, music, food, and community. From Mardi Gras to French Quarter Fest, the streets come alive with excitement. However, with all the joy and chaos, the risk of car accidents significantly increases. Crowded streets, distracted drivers, and an influx of tourists unfamiliar with local roads can quickly […]
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