Car policy confusing? Ask Poli.
A shopping cart dented my car door — is that covered?
A loose cart rolling into your parked car is a classic small claim. Most policies treat it as collision or comprehensive depending on how the form defines it — and the repair is often less than the deductible.
1. Parked at the store
2. A cart rolls loose
3. Right into the door
4. A fresh dent
What filed auto forms generally say
Many policies count a shopping cart hitting your car as collision, because an object struck the vehicle. Some forms treat it as comprehensive instead. Your policy's definitions decide which one.
Either way, your deductible applies. A small dent often costs less to fix than the deductible, so there may be nothing to claim.
If a person pushed the cart into your car, their own coverage — or the store's, if its cart corral failed — could be where a claim goes instead.
Why your policy can still say something else
How collision is defined, what your deductibles are, and whether your company counts small claims against you vary by policy and state.
Clauses to look for in your own document
- Definitions — Collision
- Part D — Comprehensive Coverage
- Deductible
- Declarations — Coverages and Limits
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.