Yes, insurance will usually cover a mower hitting your car with a rock. However, if it was your neighbor’s mower, their homeowner’s insurance coverage could pay for it. Your own car insurance coverage could cover you if you are hitting your own vehicle with a rock or other lawnmower debris. But a few factors are involved. Generally, comprehensive insurance would cover this situation.
This kind of insurance covers vehicles that have been vandalized, destroyed by floods or have suffered other similar problems. Moreover, you could have to cover any damage you make to your car with a lawnmower out of pocket if you do not have comprehensive coverage. Remember that this kind of coverage is an alternative. Therefore, your comprehensive coverage under your auto insurance may cover a mower hitting your own car with a rock.
What Happens If Your Neighbor’s Mower Hits Your Car With a Rock
Your neighbor’s homeowner’s insurance coverage will cover you after hitting your car with a mower. Moreover, paying cash out of pocket can still be preferable to making a claim and handling the ensuing increase in insurance costs. However, your auto insurance may pay for the repair if your neighbor chooses not to pay under your comprehensive or glass coverage.
There is always small claims court if that doesn’t work for you or if your neighbor isn’t acting very neighborly. Therefore, your automobile will often cover a mower hitting your car with a rock by your neighbor’s homeowner’s insurance coverage.
Would Car Insurance or Home Insurance Cover a Mower Hitting My Car with a Rock?
To be more specific, both could cover a mower hitting my car with a rock. However, you have to have acquired a comprehensive or “other than collision” policy for your vehicle policy to cover it. In addition, you would have to go via your homeowner’s insurance if you hadn’t added this to your car coverage. Lastly, you can compare your deductibles between the two insurance plans to see which will cover a larger portion of the loss and require less out-of-pocket payment.
What If a Lawn Mower Company Hits Your Car with a Rock?
Lawn care professionals are responsible for repairing damage caused by rocks, whether on your property or your neighbor’s, regardless of whether they were on your property or not. Additionally, if you have comprehensive or glass coverage on your vehicle insurance, you might be able to make a claim with your insurer if they fail to pay.
Furthermore, they could choose to pursue the lawn care provider. However, the majority of lawn care experts will admit their error and take prompt corrective action. Lastly, the harm caused by a rock that a lawn care provider accidentally throws into your car will be reimbursed by their liability insurance.
How Would a Mower Hitting My Car with a Rock Affect My Premium?
Generally, your home insurance price shouldn’t increase as a result of a single occurrence like this one. An insurance company seldom penalizes a policyholder for an isolated incident, particularly if the policyholder was not at fault. However, frequent claims can lead to insurance providers raising premiums or not renewing coverage after its current term.
How to Prevent a Mower Hitting My Car with a Rock
You need to carefully consider how to prevent a mower hitting my car with a rock. To prevent injuries to yourself and people nearby, you can modify the mower deck’s height, remove any stones, or even add a mower deck flap or shield. Further lowering the possibility of pebbles being driven is possible by selecting the appropriate kind of mower blade.
Avoid mowing over rocks
To ensure safety while mowing the lawn, inspect for rocks, clear the area, set the mower blade higher than rocks, go slowly, and avoid mowing over rocks. Consider a heavy-duty blade for a longer lifespan.
Adjust the height of the mower deck
To prevent rocks from shooting at your lawn mower, adjust the height of the mower deck. Additionally, park the mower on a level surface, locate the adjustment knob or lever, and move it to raise or lower the deck. Check each wheel’s height for an even cut. Also, test the adjustments by mowing in a small patch before large areas. Furthermore, adjust one end higher than the other to prevent rocks from entering uneven lawns and slopes.
Clear out rocks before mowing
Before mowing the lawn, clear any rocks by scanning the area and using a rake to remove small rocks without harming the grass. Additionally, install a trap between the mower deck and discharge chute. And use a mulching blade and a mower deck shield for safety.
Moreover, follow the manufacturer’s instructions and read the owner’s manual to choose the right guard for your model. Furthermore, avoid blade guards that interfere with tall grass or vegetation near walls. Installing a shield or flap can prevent accidents.
What to Do If a Mower Hits My Car
You should capture it for your records if a lawnmower does manage to throw a rock into your automobile. Moreover, make sure you do the following:
- Take pictures
- Note the place, date, and time.
- Obtain the details about the “at fault” party, if at all feasible.
Lawn mower accidents can be stressful, especially if no one notices. However, you can get coverage to cover a mower hitting your car with a rock. Furthermore, use a free tool to compare rates and prepare for out-of-nowhere accidents, ensuring your lawn is the best on the block.
