Garage Door Fell on Your Car: Here's What to Do
A garage door crashing onto your car is stressful and upsetting. Take a breath—here's your step-by-step guide to handling the situation, from extraction to insurance claims.
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Immediate Steps
1. Don't Move the Car Yet
Backing out without lifting the door first can cause additional damage to both the car and the door. Assess the situation before moving anything.
2. Document Everything
Take photos and videos from multiple angles before moving anything. Document the door position, car damage, and any visible broken components. This is crucial for insurance claims.
3. Safely Extract the Car
Get 2-3 people to carefully lift the door while you slowly drive the car clear. If the door is too damaged or heavy, call for professional help rather than risking injury.
4. Secure the Opening
Once the car is clear, the garage opening needs to be secured. If the door still functions, lower it carefully. If not, you may need to board up or tarp the opening temporarily.
5. Contact Insurance
File claims with both auto (for car damage) and homeowner's (for door damage) insurance. Provide photos and documentation.
Insurance Coverage
Auto Insurance
Comprehensive coverage typically covers damage from falling objects, including garage doors. You'll pay your deductible (usually $250-$1,000), and insurance covers the rest. This won't raise your rates since it's not an at-fault accident.
Homeowner's Insurance
Your homeowner's policy likely covers the garage door repair or replacement, minus deductible. If the door was properly maintained and failed due to a defect or sudden breakage, it should be covered.
Frequently Asked Questions
Will insurance cover a garage door falling on my car?
Usually yes. Auto insurance comprehensive coverage covers damage from falling objects. Homeowner's insurance typically covers the door itself. Check both policies and file claims as needed.
Who is liable if a garage door falls on a car?
If it's your own garage/car, it's an insurance claim. If a landlord's door damaged your car, they may be liable. If faulty installation caused failure, the installer may be liable. Document everything.
How do I safely remove my car from under the door?
Don't just back out—you could cause more damage. Have 2-3 people carefully lift the door while you slowly move the car. If the door is too damaged, call for emergency professional service.
Can a fallen garage door be repaired?
Depends on the damage. Minor panel dents may be repairable ($200-$400). Severely bent or cracked panels, damaged tracks, or broken hinges often require full door replacement ($800-$2,000+). We can assess and provide options.
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