If the insured drove his automobile into his own garage door, what would be covered under the Third Party Liability coverage of his automobile policy?

If the insured drove his automobile into his own garage door, what would be covered under the Third Party Liability coverage of his automobile policy?

• A. Both the automobile and the garage door
• B. Neither the automobile nor the garage door
• C. The automobile
• D. The garage door

Answer: (B)

Third party liability pays for injuries to others or damage to their property caused by you while using the vehicle. It does not pay for damage to your own property or your own vehicle. So, when the insured drives into his own garage door, the damage is to his own property, not to someone else, and there’s no third-party claim involved. The car’s damage wouldn’t be paid under liability either; it would be handled by collision (or other auto coverages you have). The garage door would be addressed by a homeowner or garage-related policy, not the auto liability coverage. In short, third party liability isn’t meant to cover the insured’s own property, so neither the automobile nor the garage door would be covered under this portion.

Third party liability pays for injuries to others or damage to their property caused by you while using the vehicle. It does not pay for damage to your own property or your own vehicle. So, when the insured drives into his own garage door, the damage is to his own property, not to someone else, and there’s no third-party claim involved. The car’s damage wouldn’t be paid under liability either; it would be handled by collision (or other auto coverages you have). The garage door would be addressed by a homeowner or garage-related policy, not the auto liability coverage. In short, third party liability isn’t meant to cover the insured’s own property, so neither the automobile nor the garage door would be covered under this portion.