Car Insurance Should Cover Basketball Hoop Damage
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Many different question and answer sites have people asking what to do when a basketball hoop falls down and damages their car. Whether the hoop was attached to the garage or freestanding in the driveway, many people are not sure if the damage will be covered by car insurance or homeowners insurance. According to multiple sources, it is most likely that your car insurance will cover damage from a falling basketball hoop whether it is attached to a building or freestanding. Most car insurance companies would include that with your comprehensive coverage. Damage from falling objects such as tree branches or basketball hoops falls under that category of insurance.
One of the responders on Yahoo!’s question and answer site said that their State Farm auto quote covered their car’s basketball hoop damage. It sounds like this problem is very common. Whether high winds, storms, or rough play on the hoop is making them fall down, many cars are getting damaged from basketball hoops. It’s important to get repair quotes from a few different insurance companies before making a claim for your basketball hoop damage though. If you have a higher deductible, it is possible that you would be better off just paying for the damage to your car instead of filing an insurance claim.
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