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Garage Door Repair Indianapolis, IN

Do you live in Indianapolis, IN? Are you looking for an efficient and cheap technician for your broken garage door spring or worn-out rollers? Then, you need to call Garage Door Repair Indianapolis, IN. We have a team of the best repairmen in Indianapolis, Indiana, available 24hrs a day.

Call Now : 317-222-1653

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(317) 222-1653

Mon to fri : 8AM-8PM
Sat to Sun : 9AM-5PM

1530 N Meridian Street
Indianapolis, IN, 46202

Damage to Your Garage Door: What You Need to Know

Damage to Your Garage Door: What You Need to Know

Accidentally backed into your garage door? You’re not alone—this is a more common situation than you might think for homeowners in Indianapolis. The big question is: Will your car insurance cover the damage? The short answer is yes, but it depends on the type of coverage you have.

Let’s break it down.

1. If You Hit Your Own Garage Door

If you accidentally hit your own garage door while driving your vehicle, your car insurance may cover the damage to your car—but the damage to the garage door itself is usually covered by your homeowners insurance.

Here's how it works:

  • Auto Insurance (Collision Coverage):
    Pays for the damage to your vehicle caused by the impact.

  • Homeowners Insurance (Property Damage):
    Covers the garage door repair or replacement if it’s attached to your home or considered part of the property.

Keep in mind, you’ll likely need to pay a deductible for both policies before coverage kicks in.

2. If Someone Else Hits Your Garage Door

If a visitor, neighbor, or delivery driver crashes into your garage door, then their auto liability insurance should cover both your garage door repairs and any other property damage.

3. What’s Not Covered?

  • Normal wear and tear or mechanical issues aren’t covered by car or home insurance.

  • If you hit the garage door while it's malfunctioning (e.g., it closed unexpectedly), you may face a dispute depending on your policy.

  • Uninsured drivers or hit-and-run incidents may complicate the claims process unless you have uninsured motorist coverage.

4. Tips for Filing a Claim

  • Take clear photos of the damage to your garage door and vehicle.

  • File a police report if needed (especially if another driver is involved).

  • Contact both your auto and homeowners insurance providers to report the accident.

  • Get a professional garage door inspection to assess the repair or replacement costs.

Need Garage Door Repair in Indianapolis?

At Garage Door Repair Indianapolis IN, we offer fast, affordable, and insurance-friendly repair services. Whether your door has a dent, broken panels, or needs a full replacement, we can help you get it fixed—and even assist with the paperwork for your claim.

📞 Call us today or request a quote online. Serving all of Indianapolis, Fishers, Carmel, Greenwood, and nearby areas.