>> On a serious note if you damage your own property, for example a garage door,
>> is there any point in claiming from your insurance as you cannot claim off your
>> own policy as the third party ?
>> The insurance company will repair the vehicle but not the property.
>>
The issue isn't so much the claim/payment, so much as the insurance companies ask to be informed of accidents.
This is so they can get an accurate idea of risk.
It can also be used as a get out clause should you wish to make a claim, but they discover you didn't inform them of other incidents...
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