Can you make a claim against your insurance policy if you hit another car that is also covered in your policy?

Not likely. In most auto policies, there is specific language that your liability coverage excludes other vehicles owned by you or a "family member" (ie, someone in your household). This would likely be true, too, for a vehicle you hit that's already on the policy Instead, most carriers will set up collision claims for both the vehicles, and your deductibles for each vehicle will apply.

If the vehicle you hit doesn't carry full coverage, you'll have to pay for its repairs out of pocket The reasoning behind this is pretty simple. One, you can't be liable to yourself, thus triggering the liability coverage. In this case, being "liable to yourself" would mean damaging your own property Another reason is that your liability coverage is for reasonable or acceptable risks.

While hitting your own vehicle is rare, it is easy to do because both your cars might be parked in the same driveway or garage Overall, though, the policy -- or contract -- that you signed with your carrier probably has the exclusion for other vehicles owned and/or insured by you. By obtaining your policy, you agreed to this condition.

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